What happens when a cardholder exceeds the allowed number of login attempts?

When a cardholder exceeds the allowed number of login attempts, the user ID is temporarily blocked. This precautionary measure is in place to protect the account from unauthorized access. By temporarily blocking the user ID, the system helps prevent potential hacking attempts and provides an opportunity for the legitimate user to regain access after a specified duration or by following a reset procedure.

This approach is part of standard security practices in online banking and helps ensure the safety of sensitive financial information. Restarting access usually involves either a waiting period or additional verification steps, which protects the cardholder’s account from potentially malicious activity while also ensuring that the user is still able to access their account, albeit after a precautionary measure.