First, the reason why the bank card is frozen
1. The bank card is a credit card. If it is frozen, it may be that the credit card has abnormal transactions, such as malicious cash withdrawal, forged information, and continuous password errors. The bank card may be frozen by the bank. 2. For overdrawn bank cards, the bank will set the overdraft limit according to the actual repayment ability. If the overdraft exceeds the share, the bank will immediately freeze your bank card. 3. A bank card is a debit card. If it is frozen, one is the wrong account freeze, that is, the bank mistakenly gave the depositor more money during the transaction, so the bank may freeze the excess. The first is the judicial freeze. According to the relevant provisions of the law, the judicial organ may apply to the bank for freezing the bank card because of the need of handling the case. At the same time, customs, tax authorities and other departments also have the right to freeze. 4. No matter what bank card it is, if the password is entered incorrectly for three consecutive times, the banking system will automatically lock the bank card password, which is similar to freezing, but not freezing. It will be released automatically after 24 hours. If you don't apply for a new card when the bank card expires, the bank will freeze your expired bank card after it expires. 6. If the bank card reports the loss several times in a row, it will be frozen because the bank thinks it is suspected of malicious loss reporting.
2. What if the bank card is frozen?
When a bank card is frozen, you should first reflect on whether you have done something illegal, such as selling or renting a bank card. If yes, please prepare the evidence materials in time, explain them to the public security organs, and be prepared to be dealt with. If not, you can seek thawing. When a bank card is frozen, it will usually send a release instruction at the same time, and you can prepare materials according to the prompt information to seek thawing.
Bank cards are usually frozen by state organs such as the Public Security Law. According to the law, public officials can freeze the accounts of units and individuals with legal authorization. Theoretically, at least one payment account should be frozen in every fraud case, and hundreds of accounts may be frozen at the same time in cases involving underground banks.