Why the card was blocked: main reasons.

Bank cards can be a useful tool, but they can also encounter various problems. For instance, it is quite common to need to find out why the card was blocked or what to do if the block has already occurred. 

In general, there are not many reasons why a card is blocked. However, to unblock a credit or debit card, a series of actions must be taken. But first, you need to understand why the block occurred and how to avoid it in the future. 

Why was the credit card or debit card blocked?

A bank card usually works quite simply, but even with such a tool, certain problems can arise. Usually, the issue is about blocking. In 2024, Ukrainian banks are strengthening security measures and imposing additional restrictions to protect clients. A card can be blocked for several reasons:

1. Unusual activity. This can include frequent transactions exceeding standard limits or purchases in non-standard places (for example, abroad without prior notice). 

2. The card is blocked if there were several unsuccessful attempts to enter the card code. 

3. The card may be blocked if illegal transactions were conducted. For instance, attempting to pay for services or purchases on suspicious websites. Transfers or withdrawals of large amounts that raise the bank's suspicions can also be considered illegal.

4. There may be issues with documentation. This refers to the expiration of the card and the absence of updated client data (for example, an expired passport).

5. Blocking can occur due to exceeding the card limit. For instance, cash withdrawals or transactions exceeding daily limits or frequent use of the card for transferring large sums.

Sometimes blocking occurs due to technical errors. There can be software malfunctions in the bank's system or other issues. 

Additionally, Ukrainian banks have the right to block cards to prevent fraud or violations of legislation. Most often, blocking happens automatically.

The bank may decide to block a card. What cases are we talking about:

1. Suspicion of fraud. For example, attempts of unauthorized access to the account.

2. Non-compliance with security requirements. This may be related to outdated client documents.

3. Court decision. The bank is obliged to freeze the client's account at the request of law enforcement agencies.

There may be other reasons why the card was blocked. 

What to do with a blocked card?

Clients do not always immediately understand that the card is blocked. How to know if this has happened: 

1. Payments do not go through. The card does not work at terminals and ATMs.

2. Numerous messages from the bank have been received. The bank may send an SMS or notification in the app.

3. Online operations do not go through. Trying to transfer money via the app results in an error.

If this happens, you should check the card. How to do this: 

1. First, contact the bank. Call customer support and clarify the reason for the blocking.

2. You also need to provide documents. If the block is related to expired documents, update the information. To clear any suspicions, the bank may request contracts or receipts.

3. It would not hurt to check the last transactions. Ensure that there were no suspicious deductions from the card. Also, inform the bank of any unauthorized transactions.

Typically, bank employees explain what to do next.

Preventive measures 

If you want to avoid dealing with a bank block, you should take some preventive measures. How to do this: 

1. Do not exceed limits. Monitor daily and monthly card limits. Notify the bank about planned large transactions.

2. It is better to keep regular updates of data. Check the validity of passport data and other documents.

3. Pay special attention to secure passwords. Do not share your PIN code and other information with third parties.

4. Avoid suspicious transactions. Do not transfer money to accounts of dubious organizations, and verify the reliability of online stores.

A few words should also be said about situations when the bank is not obligated to unblock the card. That is, there are situations when the bank cannot restore access to the card:

1. If the card was lost or stolen.

2. By court order or at the request of law enforcement agencies.

3. Upon detection of legal violations by the client.

Blocking a card is a protective measure aimed, in most cases, at preventing financial losses for the client. To avoid such situations, keep track of your transactions, timely update your data, and follow the rules for using the card. In case of a block, promptly contact the bank and follow their recommendations.