In some cases, both credit cards and debit cards may be frozen. Although not frequent, it is not uncommon.

It is normal for bank cards to be frozen, such as abnormal transactions and overdraft of your credit card. At this time, although the credit card shows that you still have a limit, you can no longer use it.

If it is a debit card, which is what we usually call a bank card, there is still money in the account but it can't be used, and it may be frozen. The most typical example is the freezing of judicial administration. Authorized institutions such as judicial organs, customs and tax authorities freeze accounts according to the needs of handling and investigating cases, and banks must cooperate; Also, if the bank finds that your bank card has a wrong account to deal with, it may be frozen.

In the second case, your bank card itself has some special circumstances or misoperation.

In addition to the freezing mentioned above, there is another situation similar to account freezing, but it belongs to account locking. For example, if your password is wrong three times in a row during the process of swiping your card, the banking system will automatically lock the funds in your bank account in order to be responsible for the safety of your funds, resulting in that although you have money in your account, you can't realize the transaction, and it will be automatically unlocked after 24 hours;

Also, your bank card has expired, so your bank card is actually an expired card. If you don't apply for a new card, the funds in the bank card will be locked and cannot be used. Every bank card has an expiration date, but we seldom pay attention to it, so there will be some problems after the expiration date.

In the third case, although the funds in your bank account have been transferred, they are locked.

We often transfer account funds in and out. After the account funds were transferred to the account last year, the transferor can cancel it within a certain period of time. In the past, remittance was on the way, but now it hasn't arrived yet. The People's Bank of China issued the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks (hereinafter referred to as the Notice), which made it clear that individuals who transferred money by ATM at 20 16 12 1 can apply to the issuing bank for cancellation of the transfer within 24 hours after it was accepted by the issuing bank. You can apply for transfer within 24 hours for non-real name transfer on ATM, 24 hours for counter transfer and 24 hours for online bank transfer. In other words, although your funds have been received, they are not entirely yours. Only after 24 hours can your funds be really used, otherwise even if you have money in your account, you can't use and spend it. So there is a new type of fraud, that is, you see the remittance in your account, but once you give him the goods or remittance, he can account the remittance for you, and you are cheated.

In the fourth case, your funds have already purchased wealth management products, but the money has not been taken away.

In the past, we bought wealth management products, and wealth management products all had a date of establishment. Applications before the date of establishment were actually pre-subscription, during which you can cancel the subscription. Only after the establishment of wealth management products, can your purchase of wealth management products be regarded as a formal result. In the past, the bank directly took away your financial subscription funds after you applied for financial products, and then returned them when the subscription failed. At present, some banks only lock in funds after you subscribe, and the funds are still in your bank current deposit account, and will only be officially withdrawn on the establishment date of wealth management products. But at this stage, although your funds are in your bank account, they have been locked by the bank and you have no right to use them.

So, it seems that you have a lot of money in your account, but if you buy wealth management products, your funds can't be used.

In the fifth case, your money may be transferred from various baby accounts during the lock-up period.

Many of us transfer money to all kinds of babies, but when we withdraw the funds from all kinds of baby accounts after last year to bank card accounts, it will be time to get the accounts. The arrival time of baby products in different banks ranges from three days to several hours. The baby products are withdrawn, and the bank account shows that the funds have arrived, but the funds cannot be used.

What the hell are you talking about? I suggest you take your ID card and bank card to the bank outlet for consultation, or you can call customer service for consultation. Whatever the reason, I suggest you deal with it as soon as possible so as not to have a bad influence on yourself.