1. If it is a savings card, it may be that the cardholder has been monitored by the bank for traces of anti-money laundering or the card is in danger of being stolen. In this case, the cardholder needs to bring his card and ID card to the bank counter to cancel it.
2. If it is a credit card, it is generally because the user has malicious overdraft or long-term overdue. The user can call the customer service phone of the credit card center of the issuing bank to ask the specific reasons for being marked with high risk and ask how to solve it.
Extended information:
1. Common causes and handling methods of bank cards being frozen
Freezing by yourself: the bank card is frozen in the process of using it, and transactions cannot be made.
1. The card can be frozen if you intentionally mistype the password for three times in the ATM/online banking/mobile banking
Freezing time: generally 24 hours.
handling method: basically, it will be automatically unlocked after 24 hours, or you can take your ID card to the counter of a bank branch to unlock it, or you can make up your card or reset your password.
2. Call the bank to report the loss orally
Freezing time: generally 5 days, depending on the situation of each bank.
handling method: basically, it will be unlocked automatically after 5 days, or you can take your ID card to the bank branch counter to unlock it.
3. Go to the bank counter to cancel the bank card with your ID card and bank card.
Processing result: long-term freezing.
the bank freezes
1. The anti-money laundering system of the bank is triggered (such as large-sum transfer in the middle of the night, frequent transactions with multiple people, cashing of credit cards, etc.)
Handling method: directly contact the bank where the account is opened and provide your relevant information according to the requirements of the bank (generally, explain the reasons for capital exchange).
2. The credit is overdue or the deposit account is blocked
This situation is often due to the overdue loan from the signing bank or the credit card risk, which leads to the freezing of the savings card or credit card.
handling method: contact the bank directly and handle it according to the requirements of the bank.
3. Other special circumstances
If the balance is less than 1 yuan, the bank card will be frozen if it is not used for a long time. For example, CCB stipulates that if the bank card balance continues to be insufficient in 1 yuan, it will be frozen after three years, and if it is not released within one year after freezing, the bank card will be cancelled after one year from the date of freezing, that is, it will never be used.
handling method: just pay attention to the use of bank cards or actively handle them according to the requirements of the meeting bank.
judicial freezing
property preservation or enforcement measures taken by the court according to the applicant's requirements after a civil dispute with other subjects is brought to court/arbitration commission by others or the case enters the execution stage.
freeze time: 1 year. After the expiration, the court can renew the seal upon the request of the applicant.
handling method:
1. If it is sealed up in the litigation property preservation stage, you can apply to the court for counter-guarantee to cancel the account, or actively mediate/reconcile with the other party, and the other party will apply to the court for cancellation of the preservation measures.
2. If the case is sealed up in the execution stage, that is, the case has been adjudicated by the court, it is suggested to actively perform the obligations according to the court's judgment.
Public Security Freeze
If the bank card is frozen by the public security, it means that a certain transaction of the bank card will be more or less related to some illegal/criminal acts. In this case, it is necessary to immediately identify the reasons for the freeze, and then collect relevant evidence materials and handle it carefully to avoid unnecessary influence.