Bank freeze
1, triggering the bank's anti-money laundering system (such as large transfer in the middle of the night, multi-person day trading, credit card cashing and other special circumstances). Generally speaking, banks will not directly freeze bank cards, but will only restrict the counter business of bank cards or "only accept and not pay", that is, suspend some trading rights of bank cards.
2. The credit is overdue or the deposit account is frozen. In this case, the savings card or credit card is often frozen due to overdue loan or credit card risk of the contracted bank.
3. Under other special circumstances, if the balance is below 100 yuan for a long time, the bank card will be frozen. For example, CCB stipulates that if the bank card balance is less than 100 yuan, it will be frozen after three years, and if it is not thawed within one year after freezing, the bank card will be cancelled one year after freezing, that is, it will never be used.
judicial freezing
Property preservation or enforcement measures taken by the court at the request of the applicant after a civil dispute with other subjects is brought to the court/arbitration commission or the case enters the execution stage.
Freezing time: 1 year. After the expiration, the court may renew the seal at the request of the applicant.
Legal basis: Article 487 of the Supreme People's Court's Interpretation on the Application of the Civil Procedure Law of People's Republic of China (PRC) stipulates: "The time limit for the people's court to freeze the bank deposits of the person subjected to execution shall not exceed one year, the time limit for sealing up or distraining movable property shall not exceed two years, and the time limit for sealing up immovable property and freezing other property rights shall not exceed three years.