1. Bank cards are frozen by the public security organs for the following three reasons

(1) The bank card and the funds in the card are related to the criminal perpetrator

In the process of investigating and handling a case, the public security organs tend to seal up, detain, and freeze all the stolen money and property involved in the case. All properties, such as real estate, cars, bank cards, stocks, securities, and equity interests in the name of criminal suspects will be partially or completely sealed, detained, and frozen to facilitate the ascertainment of case facts and the execution of fines, confiscation of property, and other penalties. .

In addition, the public security organs will also seize some or all of the properties, cars, bank cards, stocks, securities, equity and other properties belonging to the close relatives of these criminal suspects, depending on the circumstances of the case. Seize and freeze property to prevent criminal suspects and their close relatives from transferring their property.

(2) Bank cards and funds in the cards are related to the public security investigation of criminal cases

1. The four main situations in which the card owner has his card frozen

(1) The card owner has engaged in online gambling or purchased illegal lottery tickets online

Nowadays, many people will use WeChat on their mobile phones to enter various illegal gambling websites, lottery websites or download in their spare time APP gambles or buys illegal lottery tickets, thinking it may just be a leisure and entertainment activity. However, because online gambling platforms often use the bank accounts of money laundering gangs to conduct transactions, it can easily lead to bank cards being frozen.

(2) The card owner engages in virtual currency/blockchain transactions and investment activities

If the card owner regularly engages in virtual currency, the frozen bank card will easily be subject to criminal prosecution. Transferred bank funds can easily be frozen by the police.

(3) The card owner is engaged in foreign trade and receives transfers from other unfamiliar third parties, or actively exchanges foreign exchange

In this case, the frozen bank card is often not involved or engaged in He has never engaged in any illegal or criminal activities. He has never engaged in illegal activities such as online gambling or buying lottery tickets, nor has he participated in criminal activities such as telecommunications fraud. However, he has been frozen by the public security organs.

Then, you need to carefully investigate all recent bank transactions, especially the incoming transactions, which are very likely to be due to the transfer of funds from persons or platforms suspected of crimes such as fraud, gambling, money laundering, etc. This triggered freezing measures from the public security organs.

(4) The card owner receives normal funds, but is affected by the freezing of the remitter’s bank card

If the card owner is not involved in any illegal crime, he will still receive normal funds. The money is remitted, but if the bank card of the previous remitter is frozen due to criminal cases, my bank card may also be frozen.

2. Main types of cases where public security organs freeze cards

(1) Cases of opening a casino, that is, specifically investigating illegal and criminal activities of online gambling

(2 ) Fraud cases, that is, specializing in investigating and handling telecommunications fraud and Internet fraud criminal activities

(3) "Card breaking" (buying and selling cards) action cases or money laundering cases, such as crimes of assisting information network criminal activities, Cases of concealing and concealing criminal proceeds, criminal proceeds, illegal business operations, obstructing credit card management, theft, bribery, illegal provision of credit card information, illegal use of information networks, infringement of citizens’ personal information, etc.

Public Security When authorities investigate cases suspected of the above crimes, they often find that many bank cards are used specifically to collect or transfer funds in and out of fraud/online gambling/other criminal activities. Therefore, after the public security agency files a case for investigation, it will freeze all bank card funds involved in the case to prevent the funds from being transferred. For example, in fraud cases, on the one hand, it can prove the criminal facts that the fraud suspect committed the fraud crime, facilitate the determination of the amount of the fraud crime, and help convict and sentence the criminal suspect; on the other hand, it can freeze the stolen money as soon as possible , to prevent the transfer by criminal suspects and their close relatives, resulting in the risk of irrecoverability in the future.

The public security agency will start the inquiry from the source of the victim’s direct remittance. As long as the related account is diverted here, it will face the risk of freezing. Generally, it will be frozen to the fourth level account in circulation, but there are also It is frozen to levels seven or eight (the smaller the level, the smaller the risk), so your account may also be frozen by the public security bureaus in different places for the same case.

Take fraud cases as an example: After being defrauded, the victim reports the case to the police. The police freeze all the bank accounts through which the relevant funds flow based on the bank accounts through which the victim's money has passed.

For example, the victim's money was transferred to bank account A, and A was transferred to bank account B, and B was transferred to bank account C, and then extended to D, E, and F; then it is possible that A, B, C, D, E, and F will all be frozen, but B, C, D, E, and F may not know the source of the funds.

So, if your bank card is frozen by the public security agency, it means that the public security agency believes that your bank card has been used for illegal and criminal activities, and there is some correlation between the funds in the card and illegal crimes.

At present, this is often the case when bank cards are frozen, and it is somehow related to criminal cases investigated by the public security organs.

(3) The public security organ "made a mistake" and thought that your bank card was related to the crime

If you are innocent and your close relatives are not suspected of crimes, no The case was opened for investigation by the public security organs. Your bank card has always been used by yourself, it is legal and compliant, and you have never committed any crime. However, it has been frozen by the public security agency. Then, it is very likely that the public security organs "made a mistake" and thought that your bank card was related to illegal and criminal activities, so they took freezing measures against your bank card. However, this situation is very unlikely.

2. If your bank card is frozen by the public security organ, you can follow the following six steps to handle it

If your bank card is frozen by the public security organ, generally you will not immediately do so after receiving the problematic funds. is frozen. You may be frozen due to abnormal fund inflows from transactions a month or a year ago. In telecommunications fraud cases, most transactions are frozen because of a transaction a few days ago.

Most judicial freezes are only temporary. If the criminal investigation agency investigates and verifies that it is not related to the suspected money laundering case, it will be automatically unfrozen within two or three working days. Don't worry about this, it will be automatically unfrozen when it expires. In addition, this 48 or 72 hours does not mean thawing on time, and some may be delayed for a period of time.

If you find that your bank card has not been unfrozen after three working days, it has been frozen, and a large amount of funds in the card cannot be used normally, which seriously affects your daily production. ,Life. Then, you can take the following measures:

1. First check and confirm whether you fall into the above situations

Generally speaking, the probability of public security organs mistakenly seizing a citizen’s bank card is very small , if you find that your bank card has been frozen, you must first conduct a self-examination to determine whether you have participated or passively participated in some illegal and criminal activities.

2. Immediately call, WeChat and other contact methods to notify cooperative customers or relatives and friends as quickly as possible to stop remittances to this account

Since the bank card is frozen, there will be a situation where the card cannot be accepted. If there is still money being transferred to your bank account, more funds will be frozen. Therefore, you must immediately notify your cooperating customers or relatives and friends as quickly as possible to stop remittances to this account.

3. Confirm the relevant details of the freeze to the freezing bank

At this time, you need to immediately confirm the specific freezing information through the freezing bank. It is best to apply for the freezing bank to print the "Assistance Authorization" "Office Freeze and Deduction Register" to obtain comprehensive freezing information.

If the bank refuses to provide the information sheet, you can verbally learn from the bank: freezing time, freezing period, freezing agency, freezing police officer, contact number, freezing number, reason for freezing and other detailed information.

4. Depending on the circumstances of the case, consider contacting the public security organs as appropriate

If based on investigation and implementation, no one among you or your relatives or friends is involved in illegal or criminal acts, you can try to contact the case-handling agency. Understand the reasons for the freeze and communicate the solutions so that the freeze on the bank card can be lifted as soon as possible.

When contacting the public security organs, the phone number provided by the bank or the number queried online may not be connected, because the public security organs may freeze thousands of bank accounts depending on the circumstances of the case, and the number of people involved We work in many areas and often go out to handle cases. We do not sit in the office and answer every incoming call in real time. Therefore, you can consider going directly to the case-handling agency to implement the case based on your own situation or entrusting a lawyer to handle it on your behalf.

5. Cooperate with the police to provide materials and handle the case as required

After communicating with the case handling agency and the person handling the case, the public security agency will require you to cooperate in providing materials and processing according to the case circumstances. Communicate and you can cooperate according to your own situation.

At the same time, most public security organs will require me to go to the past to communicate and process the transcript. This requires me to evaluate whether to go immediately and handle it based on the actual situation.

If you are unable to cooperate, the public security organs are likely to wait until the case is investigated or submitted to the procuratorate or court for trial.

6. Consult and entrust a professional lawyer to handle the matter on your behalf

As mentioned above, if your bank card is frozen because you or your relatives or friends are suspected of breaking the law, you cannot evaluate the handling method and estimate the consequences. In this case, it is recommended to consult a professional lawyer for analysis and processing.

If you are unable to provide the materials requested by the public security organ or the cooperation plan exceeds your affordability, you can entrust a lawyer to handle the matter in accordance with legal provisions and maximize your legitimate rights and interests when unfreezing your bank card.

Let me tell you a few words at the end. How will we manage our bank accounts in the future? This is also a question we are constantly thinking about now. After all, in the business society, there will always be economic risks of one kind or another, so the cycle of freezing, thawing, and freezing will inevitably repeat itself.

Some people say that you can apply for a credit card, some say to use a relative’s card, some say to change the card once a year, some say to clear the account in time every day, and some even say to use Regarding public account collection, what I actually want to say is that the best way to manage our accounts is to pay attention to three points: planning the use of our accounts, regulating our legal identities, and improving the evidence chain of income as much as possible. If it can be summed up in one sentence, it is: average funds, perfect evidence.

Finally, I wish all parties whose bank cards have been frozen good luck. I hope this sharing can bring you some help.