A) Some bank cards are temporarily locked and automatically unlocked, usually the next day or 24 hours later;

B) Some bank cards will not be unlocked automatically. You need to take your ID card and bank card to the bank outlet to unlock them.

2. The bank card password lock cannot be unlocked on the website, and must be unlocked at the counter through offline outlets.

The relevant staff of the electronic banking department of a large state-owned bank said that the login password of telephone banking is the inquiry password and the withdrawal password of bank card are two concepts. Even if it is entered incorrectly for three times in a row, it will only suspend the inquiry function of telephone banking and will not affect the fund activities of the account. Cardholders can still withdraw money with the correct withdrawal password. "Only when the transaction password (withdrawal password) is entered incorrectly three times a day, the account will be locked, and the account holder needs to hold the ID card to unfreeze at the counter." Extended data

Matters needing attention in the use of bank cards

1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it for safety reasons and notify the bank immediately;

2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks;

It is best to store the bank card and ID card separately. Don't lend your bank card to others, and don't disclose your bank card number and password at will.

4. When spending by credit card, don't let the bank card leave sight, pay attention to the number of times the cashier swipes the card, and check whether the amount on the shopping list is correct and whether it is my card when getting the shopping list and card;

5. Open SMS service, keep abreast of account changes, and immediately call the bank to report the loss once abnormal transactions are found;

6. If you suspect that the funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in time.

Bank cards are frozen mainly for the following reasons:

1. If the balance of the bank card is insufficient 100 yuan, it will not be used for a long time.

2. Telephone banking or entering the wrong password for three consecutive times on the ATM.

3. Loss reporting of bank cards.

4. Being maliciously manipulated, after knowing his bank card, ID card and other information, he called the bank to pretend to be the owner of the bank card and asked to report the loss.

5. Others, such as arrears enforced by the court.

Application and loss reporting:

The process of applying for a credit card and a debit card is different. When handling a credit card, you need to bring your valid certificate (ID card or a copy of ID card), residence certificate, unit income certificate or personal assets certificate, and go through the relevant formalities at the bank counter. You need to fill out an application form, in which the information requested is true.

After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Handling debit cards is relatively simple. You just need to bring your own valid documents, mainly your ID card, fill out the application form at the bank where you open the account, and then you can issue the card to the applicant.

The reporting procedures of major banks are not exactly the same. If you lose it, you can report it temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report it.

Precautions:

1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it for safety reasons and notify the bank immediately;

2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks;

It is best to store the bank card and ID card separately. Don't lend your bank card to others, and don't disclose your bank card number and password at will.

4. When spending by credit card, don't let the bank card leave sight, pay attention to the number of times the cashier swipes the card, and check whether the amount on the shopping list is correct and whether it is my card when getting the shopping list and card;

5. Open SMS service, keep abreast of account changes, and immediately call the bank to report the loss once abnormal transactions are found;

6. If you suspect that the funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in time.

Frequently asked questions:

Bank cards should not be placed with mobile phones, televisions, stereos, microwave ovens and other electrical appliances with strong magnetic fields. It's better to put it away. Don't put multiple bank cards and passbooks together.

1, when buying a wallet, there are usually small hard cards from several brands. Don't throw them away! When playing cards, except that the cards can't be on the same interlayer, put a card of this kind on the side with magnetic stripe to play the role of spacing.

2. ICBC has a special bank card holder, which works well and can be used many times.

3. It's not bad to use ID card as the interval. (The second-generation ID card is a radio frequency card, not a magnetic card, so the ID card will not "degauss" with the bank card. )

Finally, it should be noted that the bank card must not be put in the pocket directly with the mobile phone, so it is likely to be degaussed soon.