Legal analysis: First, bank cards are credit cards (debit cards). If it is frozen, it may be that the credit card has an abnormal transaction, such as malicious cashing, forged information, wrong serial password, etc. The bank card may be frozen by the bank. 2. For overdrawn bank cards, the bank will set the overdraft limit according to the actual repayment ability. If the overdraft exceeds the share, the bank will immediately freeze the bank card. Third, bank cards are debit cards. If it is frozen, it is the wrong account, which means that the bank mistakenly gave the extra money to the depositor's account when trading, so the bank may freeze the extra part. The first is the judicial freeze. According to the relevant provisions of the law, the judicial organ may apply to the bank to freeze the bank card for handling cases. At the same time, customs, tax authorities and other departments also have the right to freeze.

Legal basis: Law of the People's Republic of China on the People's Bank of China.

Article 1 This Law is formulated with a view to establishing the status of the People's Bank of China, clarifying its responsibilities, ensuring the correct formulation and implementation of the national monetary policy, establishing and improving the macro-control system of the central bank, and maintaining financial stability.

Article 2 The People's Bank of China is the central bank of People's Republic of China (PRC). The People's Bank of China, under the leadership of the State Council, formulated and implemented monetary policies to prevent and resolve financial risks and maintain financial stability.