If the payment of the bank card is stopped in full, the bank will verify that there is a risky transaction, and the card is suspected of cashing out and has not been traded for more than 6 months. Account stop payment means that banks stop using accounts, usually cash payment and fund transfer transactions. When paying in a bank card account, the account is frozen after the cardholder reports the loss or detects that the bank card has certain risks. At this time, the bank card is frozen, and it is not allowed to do credit card transactions or withdraw funds from the card. Stopping payment means that the card is frozen. There are many reasons why the card is frozen, such as risky transactions, the card is suspected of cashing out, and there is no transaction for more than 6 months. After the bank checks that there is no problem, it will generally lift the payment stop status after 72 hours. Banks have no right to freeze user accounts, only law enforcement departments can freeze them.