After pre-authorization, the debit card will be frozen 15%. Actually, this is a normal operation. Didn't really freeze. I will come back later. When you complete the pre-authorization, the rest will be returned to the card. In fact, using credit card pre-authorization also has the problem of freezing overdraft limit 15%. It should be noted that you must first determine your freezing amount. Pre-authorization to freeze funds refers to the business of freezing some funds in bank cards as deposits before settlement according to the actual consumption amount. Specifically, when the cardholder spends money in a merchant, the cashier of the merchant applies for authorization from the issuing bank according to the cardholder's demand and the estimated consumption amount, and the issuing bank responds according to the customer's account. After the application is approved, the credit limit (credit card) or deposit amount (debit card) of the cardholder's bank card will be temporarily frozen as a deposit. Generally speaking, the frozen amount shall not exceed 1 15% of the pre-authorized transaction amount. After the cardholder's formal consumption is completed, the merchant shall apply to the card issuer for formal settlement according to the actual consumption amount.

1. Credit card overdraft refers to the short-term overdraft given by credit card issuers to cardholders when shopping. For credit cards, it is an important function to allow "consumption first, payment later" and overdraft. For debit cards, you should "save now and spend later". However, under the premise of good faith overdraft and guaranteed repayment, cardholders who are in urgent need of funds can also overdraw in a short time. The overdraft interest rate is usually much higher than that of bank loans. Card issuers also have a set of measures to prevent and make up for overdraft risk losses.

2. The bank card will be unfrozen at 24: 00 on the expiration date. If you find that your bank card is frozen, you should first analyze the possible reasons for the freezing of your bank card, see if you are involved in online gambling or other illegal crimes, check your bank card flow, and judge whether there is any abnormal transaction. If your bank card is frozen due to abnormal bank transactions, it is generally easier to unfreeze it; If your account involves legal and other related issues, it may be troublesome. At the same time, there is another situation. If a suspect sends money to your account, the police are chasing the suspect and your account will be frozen. In case of emergency, the police have certain authority to go through relevant procedures to freeze accounts. In case of economic fraud, the police can track the whereabouts of funds through accounts, and all accounts involved can be frozen. Accounts that are generally frozen by the police can be unfrozen in three days if there is no problem. Just wait patiently. (Don't rent or lend bank cards at will to avoid personal information disclosure. )