{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Credit card blocked? Do you have arrears? Yes? Find answers to frequently asked questions about your credit card block.","robotInstruction":{"noFollow":true,"noIndex":true}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Resolve it yourself online"},{"componentType":"paragraph","richBody":{"value":"<p>Go to ING Achterstanden<strong> </strong>to resolve your arrears. Or to check: </p><ul><li>if your credit card is blocked</li><li>if you can remove the block yourself </li></ul>"}},{"componentType":"cta","textLink":{"text":"Go to ING Achterstanden","url":"https://mijn.ing.nl/banking/collections"}},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"text":"Help logging in","url":"/en/personal/collections/go-to-ing-achterstanden"}]},{"componentType":"sectionTitle","title":"No arrears?"},{"componentType":"paragraph","richBody":{"value":"<p>Is your credit card blocked but you don’t have arrears? Or do you want to block your credit card yourself?</p>"},"textLinks":[{"text":"Read more","url":"/en/personal/payments/creditcards/block-credit-card"}]},{"componentType":"sectionTitle","title":"When do we block a credit card?"},{"componentType":"paragraph","richBody":{"value":"<p>We block credit cards around the end of each month:</p><ul><li>if your payment account has been overdrawn by more than €500 for longer than 2 weeks</li><li>or if your payment account has been overdrawn for longer than 4 weeks, regardless of the amount.</li></ul><p>We may also block a credit card earlier if we are concerned about your arrears.</p><h4> </h4>"}},{"componentType":"sectionTitle","title":"Even if you have a payment arrangement"},{"componentType":"paragraph","richBody":{"value":"<p>Do you have a payment arrangement for your arrears? We still block your credit card in the situations above.</p>"}},{"componentType":"sectionTitle","title":"Arrears not resolved in time?"},{"componentType":"paragraph","richBody":{"value":"<p>If you cannot resolve your arrears in time, we will terminate your credit card.</p><p>Check ING Achterstanden to see if you can still remove the block.</p><p>Want to use a credit card again? After termination, you can only apply for a new one. During the application, we will review the usage of your current and check your details with the B<span><span><span><span><span><span><span>ureau Krediet Registratie (BKR).</span></span></span></span></span></span></span></p><p><strong>Please note:</strong> Your new application may be declined if you do not meet the product conditions at that time.</p>"}},{"componentType":"sectionTitle","title":"Want to know more?"},{"componentType":"paragraph","richBody":{"value":"<p>Do you have another question about your credit card?</p>"},"textLinks":[{"text":"Read more","url":"/en/personal/payments/creditcards/my-credit-card"}]}]},"hasMacro":false,"id":"1fb3aa44-4515-4e47-8399-90dd57bb450c","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Resolving arrears","url":"/en/personal/collections"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/f4b7aaf87c8c804/original/why-is-my-debit-card-not-working-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/30bb8d50-55c6-4a50-984d-8df2a25f1b7c/why-is-my-debit-card-not-working-1920","type":"image","width":1920},"subtitle":"If you have arrears on your current account, we may block your credit card.","title":"Credit card block because of arrears"}},"publishDate":"2025-12-02T13:34:59.577+01:00"}}