The reasons why bank cards are frozen include loss reporting, card replacement due to damage, abnormal overseas credit card transactions, long-term non-transactions, expired documents, repeated incorrect entry of transaction passwords, missing identity information, and cardholders suspected of criminal offences or civil disputes, which can be mainly divided into judicial freezing and non-judicial freezing.

How to thaw:

I non-judicial freezing

Cardholders can bring their ID cards and bank cards to any branch of the issuing bank for unfreezing business. In addition, if the bank card is frozen due to repeated incorrect transaction password input or expired reserved identity information, the cardholder can try to reset the password or update the reserved identity information through the issuing bank's mobile banking or online banking.

Second, the judicial freeze.

The cardholder is suspected of a criminal offence or civil dispute, resulting in the bank card being frozen by the judiciary. According to Article 236 of the Procedures for Handling Criminal Cases by Public Security Organs, the time limit for freezing deposits, remittances and other property is six months, and the freezing will be automatically lifted at the expiration. If the case is still not over, the public security organ can go through the formalities of continuing to freeze and extending the freezing period, and does not support autonomous thawing.

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

2065438+February 2, 2009 65438+Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards in 2009 were adopted by the Judicial Committee of the Supreme People's Court at its1785th meeting, and came into effect on May 25, 2002/kloc-0. Obviously, the user's bank card has been stolen to prove that he has no responsibility and can claim compensation from the bank.

Development course: Since 1970s, due to the rapid development of science and technology, especially the application of electronic computers, the application scope of bank cards has been expanding. Not only has the circulation of cash and checks been reduced, but the banking business has also undergone fundamental changes because it has broken through the limitations of time and space. The application of bank card automatic settlement system will make the arrival of "no check, no cash society" become a reality soon.