2. If the credit card is frozen due to loss reporting or credit card account payment risk, it can only be unfrozen if the cardholder brings personal identification to China Merchants Bank for loss reporting cancellation or proves that the credit card account payment is safe.
3. If China Merchants Credit Card is frozen due to overdue repayment of the credit card, it is suggested to complete the repayment as soon as possible and try to unfreeze it.
Freezing can be implemented under the following circumstances: First, illegal funds, securities and other property involved have been transferred or hidden; Secondly, illegal funds, securities and other property involved may be transferred or hidden; Third, important evidence is concealed, forged or destroyed; Fourth, important evidence may be hidden, forged or destroyed; Fifth, other situations that need to be frozen and sealed up in time.
You can ask the bank about the reason for the freeze according to law, and many criminals lie that it is because of the crime freeze. What's wrong with the bank card being frozen? 1. Your bank card is a credit card. If it is frozen, it may be that your credit card has an abnormal transaction, such as malicious cash withdrawal, forged information, and consecutive password errors. The bank card may be frozen by the bank.
Under normal circumstances, the freezing of deduction is mainly caused by loss reporting, damaged replacement card, abnormal overseas credit card transaction, long-term non-transaction, expired certificate, wrong input of transaction password for many times, missing identity information, cardholder suspected of criminal offence or civil dispute, etc. , mainly can be divided into judicial freezing and non-judicial freezing.
1. Extrajudicial freezing
Cardholders can call the customer service hotline of China Merchants Bank at 95555, or bring their ID card and bank card to any branch of the issuing bank for unfreezing business. In addition, the CMB bank card is frozen because the transaction password has been entered incorrectly for many times and the reserved identity information has expired. Cardholders can directly reset the password or update the reserved identity information through CMB mobile banking or online banking.
2. Judicial freezing
The cardholder is suspected of criminal offence or civil dispute, which leads to the judicial freezing of China Merchants Bank Card. 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 pending, the public security organ may also go through the formalities of continuing to freeze and extend the freezing period.