Bank cards are restricted from accepting and paying. Will not cause losses. The bank card was locked because the cardholder or others entered the wrong password at the ATM machine for more than three times. In this case, I need to take my ID card and bank card to the bank counter to unlock it, and the processing time is very fast. The status of the bank card is abnormal, so the card information cannot be read.

Bank card management method: The issuing bank charges the credit card holder a late payment fee and an over-limit fee of 5% of the outstanding minimum repayment amount and over-limit credit line. Credit card overdrafts are compounded monthly, and quasi-credit card overdrafts are charged monthly interest. The overdraft interest rate is 0.5 ‰ of the daily interest rate, which will be adjusted according to the current interest rate adjustment of the People's Bank of China. Commercial banks should charge settlement fees to merchants for bank card acquiring business according to the following standards: hotels, restaurants, entertainment, tourism and other industries should not be less than 2% of the transaction amount; Other industries shall not be less than 1% of the transaction amount. Inter-bank transactions are divided according to the following profit sharing ratio: in cities without information exchange centers, the settlement fees charged from merchants are distributed according to the ratio of 90% of the issuing bank and 10% of the acquiring bank; Commercial banks can also conduct inter-bank transactions through negotiation, equipment sharing, agency and free of charge. In cities where information exchange centers have been established, the settlement fees collected from merchants are distributed according to the ratio of 80% of the issuing bank, 80% of the acquiring bank 10% of the information exchange center 10%.

ATM inter-bank withdrawal fees are allocated according to the proportion of 70% of all banks and 30% of the information exchange center. Commercial banks should charge settlement fees to merchants for overseas bank card acquiring business, and the charging standard shall not be less than 4% of the transaction amount. Domestic banks sign credit card agency acquiring agreements with overseas institutions, and the profit sharing ratio is 37.5% and 62.5% of the merchant handling fees paid by domestic banks and overseas institutions respectively. Individuals applying for bank cards (except stored-value cards) shall provide the issuing bank with the valid identity documents of the personnel designated by the public security department, and open a registered account for them after passing the examination by the issuing bank; To open a basic account, a domestic financial institution shall apply for a corporate card with an account opening permit issued by the People's Bank of China; Bank cards and their accounts are only used by cardholders approved by the issuing bank, and may not be rented or lent.