What Is a Credit Card Lock? A credit card lock (also called a "freeze" or "block") is a security feature offered by most major issuers (Chase, Capital One, Citi, Amex, etc.) that lets you instantly prevent new purchases, cash advances, and balance transfers on your card — without closing the account.

Is your card temporarily misplaced (e.g., in another coat)? ├─ YES → Lock → Search → Unlock when found └─ NO → Continue

Credit Card Lock [upd] May 2026

What Is a Credit Card Lock? A credit card lock (also called a "freeze" or "block") is a security feature offered by most major issuers (Chase, Capital One, Citi, Amex, etc.) that lets you instantly prevent new purchases, cash advances, and balance transfers on your card — without closing the account.

Is your card temporarily misplaced (e.g., in another coat)? ├─ YES → Lock → Search → Unlock when found └─ NO → Continue