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The BIDV credit card is a useful tool that allows us to perform various transactions such as deposits, withdrawals, bill payments, online payments, and manage expenses scientifically. However, if your BIDV credit card is locked due to certain reasons, there is no need to worry. You can contact the bank to get assistance and unlock it for you.
Procedure to unlock a BIDV credit card
I. Reasons Behind BIDV Credit Card Lock
Having your BIDV credit card locked can cause you numerous difficulties and hassles in carrying out transactions. To effectively unlock a locked credit card, you first need to understand the underlying reasons. There are many reasons why a BIDV credit card may be locked, but the primary reasons include:
- Incorrect PIN Entries: Typically, if you enter your PIN incorrectly more than 3 times, the bank will lock your card to prevent potential risks and safeguard your interests.
- Long Periods of Inactivity: If you do not use your credit card for a year, the bank will temporarily lock it. This measure helps the bank manage its operations effectively and prevents you from incurring annual fees unnecessarily.
- Unpaid overdue debts: Credit cards allow you to advance money for payment, and if you fail to repay it within the bank's specified period, your card will be locked to prevent accumulating bad debts, ensuring debt recovery and helping you manage expenses effectively.
- Transactions at unusual hours: Transactions occurring between 11 PM and 5 AM are considered unusual, so to safeguard customer rights, the bank will proactively lock your card.
II. Unlocking BIDV credit cards
1. Applying for BIDV credit cards
Currently, you can apply for a BIDV credit card in two ways:
- Applying at BIDV branches/offices
- Applying for a BIDV credit card online
You can refer to the article 'How to get a BIDV Visa Card' for detailed benefits, privileges, and conditions for quick and easy card application.
2. Procedure for unlocking BIDV credit cards
Similar to applying for a credit card, when unlocking your BIDV credit card at a BIDV branch/office, you need to prepare the following documents:
- Personal identification documents (ID card, residency card, etc.)
- BIDV credit card
3. BIDV hotline
You can call the BIDV hotline to speak with customer service representatives who can assist you with any inquiries regarding your credit card. You can dial 19009247 to inquire about unlocking locked credit cards, the procedure for unlocking cards, and to ensure you have all necessary documents before visiting a branch/office to reactivate your card.
4. Considerations when unlocking BIDV credit cards
To successfully unlock your BIDV credit card and save time, pay attention to these points:
- Ensure you have all necessary documents prepared
- Proactively arrange your schedule to visit during BIDV's official working hours
- If your card is locked due to unpaid overdue debts, prepare the necessary funds to settle the debt.
If your BIDV credit card is locked, promptly visit a branch/office to unlock it for smoother payment and spending.
Not only BIDV but also many other banks implement card locking policies to protect cardholders' rights and better manage cards. If you're using a Techcombank credit card, you should explore ways to unlock Techcombank credit cards to prevent locking and unlock quickly if necessary.
Temporary account locking is a banking procedure applied by employees when customers report account locking due to suspected theft or impersonation. Details about this procedure will be shared in the article 'What is temporary account locking?'.
- Read more: What is temporary account locking?
