The permanent freezing of Guangfa Credit Card means that the user's bank card is temporarily controlled by the banking system for some reason and cannot be traded.
The cardholder's credit card has been permanently frozen by Guangfa Bank. Guangfa Bank will not only blacklist cardholders, but also report them to the credit information system of the People's Bank of China. Applications for credit cards from other banks in the near future will also be rejected.
Reasons for bank card being frozen:
1. A bank card is a credit card (debit card). If it is frozen, it may be that the credit card has abnormal transactions, such as malicious cashing, forged information, and continuous password errors. And the bank card may be frozen by the bank.
Second, overdraft bank card, the bank will set the overdraft share according to the actual repayment ability. When the overdraft exceeds the share, the bank will immediately freeze your bank card.
Third, bank cards are debit cards. If it is frozen, one is the wrong account freezing, that is to say, the bank mistakenly gave more money to the depositor's account when trading, then 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.
4. No matter what bank card it is, if the password is entered three times in a row, the banking system will automatically lock the bank card password, which is similar to freezing, but not freezing. It will be released automatically after 24 hours.
If you don't apply for a new card when the bank card expires, the bank will freeze your expired bank card after it expires.
Six, if the bank card report the loss for many times in a row, it is considered by the bank to be suspected of malicious loss reporting and frozen.
Solution: According to the freezing reason, I will go to the bank counter with my ID card and bank card to handle the related unfreezing business.
What if Guangfa Credit Card is permanently frozen?
Permanent freezing requires me to bring my ID card to the nearest Guangfa Bank (not necessarily back to the bank where I opened the account) to unfreeze it. If I forget my password, I can reset it directly at the counter. Freezing only locks your online banking function, which has nothing to do with the business of counter and ATM. You can still deposit and withdraw money.
The password of online banking has nothing to do with the password of key shield, they are separate. Your password for logging into online banking for the first time is your card password. When you log in, the system will automatically prompt you to change the combination password of 8- 12 digits and letters. After the card is completed, the printed original password is the original password of the key shield. You can download the "Guangdong Development Bank key Shield Management Tool" on the computer, and then insert the key shield into the computer, so that the management tool can directly detect your key shield, and then you can enter the original password and new password on the paper according to the above prompts.
What if the bank card is permanently frozen?
First, the bank card needs to be unfrozen at the bank. When the cardholder's related bank card account is frozen, the cardholder needs to bring his ID card and related bank card to any branch of the bank where the account is opened to handle the related unfreezing business.
2. How to unfreeze a frozen bank card?
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.
3. What are the reasons for freezing bank cards?
First, misoperation in the process of using the card will be temporarily frozen by the bank.
1. If you enter the wrong password for more than 3 times, it will automatically freeze, and this will automatically thaw after 24 hours.
2. Frequent operations on online banking will be automatically frozen and automatically unfrozen after 24 hours if the wrong password is entered for more than 3 times.
3. When trading online, it is misused by virus link, temporarily frozen and unfrozen to the bank.
Second, in the process of using the card, abnormal trading behavior was temporarily frozen by the bank.
1, frequent online small transactions, online recharge, different accounts going back and forth, are regarded by the bank as suspected of billing, which is an abnormal transaction and will be frozen by the bank.
2. Large foreign exchange transfer, speculation in virtual currency and speculation in foreign exchange are regarded as abnormal transactions by banks and will also be frozen by banks.
3. Buying pornographic video services and participating in online transactions such as gambling sites are also regarded as abnormal transactions and frozen by banks.
4. If the user card is stolen by others, the bank regards it as an abnormal transaction and can unfreeze the bank through legal channels.
5. The user's bank card has a large or high-frequency transaction, which is an abnormal transaction and will be frozen by the bank.
Third, participation in illegal and criminal activities through bank cards is frozen.
1, engaged in network activities through bank cards, obtained huge profits and huge funds, and was convicted by judicial organs.
2. The bank card is suspected of being a major economic debt, which has been characterized and frozen by the judicial authorities.
3. The user's bank card participates in a large number of crimes involving black and evil and drug-related transactions, and is characterized by the judicial organs. Similarly, banks will freeze bank cards.
In all the above cases, bank card freezing can be divided into temporary freezing and permanent freezing. The former is not serious. Find the reason and the bank will unfreeze it for you. The latter is serious in nature, so it is very difficult to thaw, and some even freeze permanently.
Can credit cards be restored if they are permanently frozen? User experience tells you the answer.
Permanently freezing the credit card is equivalent to saying goodbye to this card completely, and banks generally will not restore the right to use this card. However, there are some special circumstances, and permanently frozen credit cards also have the opportunity to be restored. Let's take a look at the experience of a netizen.
User experience
This netizen has met. After shopping on a platform, he received a phone call claiming to be customer service, saying that the goods could not be delivered. He gave the netizen a link to fill in the return information, and the netizen clicked in to fill in the relevant information. He saw a person filling in the bank card information, and the customer service said it was used to collect a refund. Because it was paid by credit card, I filled in the credit card information. Then I received a verification code. The netizen felt wrong, did not continue to fill in, and immediately closed the website.
Because considering that the credit card information may have been leaked and worried about being stolen, netizens called customer service to freeze the credit card. After a few days, the customer service thawed, and the customer service said that the permanent freeze could not be thawed. However, the money that netizens began to pay in installments has not been paid off, and there is no money to pay off at one time, so they continue to repay for 2 years. In the last issue, the netizen called the bank again with the idea of giving it a try, telling the customer service that he had been using the card very well and repaid it on time, and whether he could resume using it.
The customer service finally let go and said that the card friend would send her a new card after paying off the debt. Except for the information such as expiration date and security code, other information will be the same as that of the old card, and the amount will be the same. As long as you activate the card after receiving it, you can use it.
Analysis:
After the netizen's credit card was frozen, it can finally be restored. The main reason is that she has been using the card, and she took the initiative to apply for freezing, rather than being frozen by the bank. After freezing, she insisted on repayment, which finally reassured the customer service.
However, this netizen's experience is just an example, which does not mean that permanently frozen credit cards can be restored, especially if they are seriously overdue. It is suggested that it is best to cancel the account after repayment and reissue the card as a new account.
What does it mean to freeze the bank card permanently?
Hello, if your ABC account is frozen or restricted, it may be because the authenticity of identity information cannot be verified or judicial freezing is involved. Please bring your ID card and bank card to the nearest Agricultural Bank for specific reasons.
If it is our credit card, please call the 24-hour customer service hotline 4006695599.
(Answer time: 2022 165438+ 10/. In case of business changes, please refer to the actual situation. )
This is enough to introduce a permanent freeze on credit cards.