Bank cards can only be overdrawn by credit cards, and debit cards cannot be overdrawn. A debit card refers to a credit card without overdraft function. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay.

How to lift the bank card if it is frozen?

There are many reasons why bank cards are frozen, and users can unfreeze them according to the reasons. Common reasons are:

1. If the savings card is frozen due to incorrect password, the user needs to bring valid ID and original bank card to the bank outlet to unfreeze it. When unfreezing, if the assets are less than 50,000, you can reset the password on the smart teller machine. If the balance in the card exceeds 50 thousand, you need to go to the counter in person.

2. If the savings card is frozen for judicial reasons, it needs to be unfrozen after fulfilling the corresponding obligations. For example, you need to repay others' debts before you can unfreeze them.

3. If the savings card is not used for a long time, which leads to the freezing of the counter business, I also need to go to the counter with a valid ID card and bank card.

4. The credit card is frozen and needs to be unfrozen. The reason may be illegal credit card swiping or cashing. So it's best to go to the bank counter and get rid of the corresponding reasons before using it. If it is frozen because of the wrong password, you must also go to the counter.

The reasons for freezing ordinary bank cards are as follows:

1. If the bank card is frozen, it may be that your credit card has had abnormal transactions.

2. For overdrawn bank cards, the bank will set an overdraft share for you according to your actual repayment ability. When your overdraft exceeds your share, the bank will freeze your bank card immediately.

3. If the bank card or debit card is frozen and the other is frozen in the wrong account, it means that the bank gave money to your account by mistake during the transaction, then the bank may freeze the part that was given to you. The first is the judicial freeze. According to the relevant provisions of the law, the judicial organ may apply to the bank for freezing your bank card because of the need of handling a case.

No matter what bank card it is, if you enter the password three times in a row, the banking system will automatically lock your bank card password.

If you don't apply for a new card when the bank card expires, the bank will freeze your expired bank card.

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.