When the bank card is frozen, call customer service immediately to find out why the bank card is frozen and whether it can be unblocked. If the bank customer service cannot solve the problem or is unaware of it, then there is a high probability that you will be sued for enforcement. We can check on the China Enforcement Information Disclosure Network. After querying the execution information, contact the court where the judgment was made as soon as possible to end the case as soon as possible and then restore the frozen bank card. If the above situation cannot be solved in time, then you should contact the bank immediately to see if you can change the repayment to another bank account. If it can be done directly online, or let the customer service background handle it. We can also bring our original ID card and frozen bank card to the business hall for processing, and bring the repayment cash directly to the bank for repayment. Another point worth noting is that when the repayment date arrives and the problem cannot be solved, you must communicate with the bank in advance to explain the situation to avoid overdue records.
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The reason why the bank card was frozen: The bank card was frozen while using the bank card, making it impossible to conduct transactions. If you intentionally enter the wrong password three times at an ATM/online banking/mobile banking, the card will be frozen. Freezing time: generally 24 hours. Contact the bank by phone to report the loss verbally. Freezing time: generally 5 days, depending on the situation of each bank.
The bank's anti-money laundering system is triggered (such as large transfers late at night, frequent transactions with multiple people, credit card cash out, and other special circumstances). Generally speaking, banks will not freeze bank cards directly, but will only Restricting non-counter services of bank cards or "pay only but not receiving" means suspending some of the transaction permissions of bank cards.
Situations such as credit overdue or margin account being blocked are often caused by overdue loans from contracted banks or credit card risks, which lead to the freezing of the savings card or credit card held.
If the balance is less than 100 yuan, the bank card will be frozen if it is not used for a long time. For example, China Construction Bank stipulates that if the balance of a bank card continues to be less than 100 yuan, it will be frozen after three years. If the freeze is not lifted within one year after the freeze, the bank card will be canceled one year from the date of freezing, which means it can never be used.
Judicial freezing is a property preservation or enforcement measure taken by the court in accordance with the law at the request of the applicant after he or she has a civil dispute with other subjects and is sued by others to the court/arbitration committee or the case enters the execution stage.
Public security freeze. If a bank card is frozen by the police, it means that a certain transaction on the bank card will be more or less related to some illegal/criminal behavior. In this case, the reason for the freeze needs to be implemented immediately. Finally, collect corresponding evidence and materials and handle them carefully to avoid unnecessary impacts.