Contact your credit card issuer. State that you are an authorized user or card holder and verify your identify with your first and last name, Social Security number, date of birth and current address. If you previously locked your credit card account because of an incidence of fraud or to obtain added protection, provide your PIN or password.
State the reason for the freeze. Common reasons include suspected fraudulent activity or an inability to curb or rein in excessive spending.
Set an effective start and end date. Your credit card will be frozen until the end date elapses, and, in most cases, cannot be removed until then. Comply with your credit card issuer's rules for freezing an account.
Freeze higher interest accounts first. Suze Orman, a financial expert, suggests paying off higher interest credit cards first when managing credit card debt and restricting use to minimize interest fees.
Place a freeze on your credit reports -- which are documented by TransUnion, Equifax and Experian -- if your credit cards have been stolen or lost. By freezing your credit, you are preventing all access to your credit reports and denying yourself an ability to open new credit accounts. Modifications can be made to meet your specific needs.
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