1. Bank cards are debit cards. If they are frozen, one is wrong account freezing, that is, banks mistakenly give more money to depositors' accounts during transactions, so banks may freeze the extra part. One is judicial freezing. According to the relevant provisions of the law, judicial organs can apply for frozen bank cards from banks for handling cases. At the same time, customs, tax authorities and other departments also have the right to freeze.

2. The bank card is a credit card (debit card). If it is frozen, there may be abnormal transactions in the credit card, such as malicious cashing, forged information, continuous password errors, etc., and the bank card may be frozen by the bank.

3. For overdrawn bank cards, the bank will set the overdraft share according to the actual repayment ability. When the overdraft exceeds the share, the bank will immediately freeze the bank card.

4. No matter what bank card it is, if the password is entered incorrectly for three consecutive times, the bank system will automatically lock the bank card password, which is similar to freezing, but not freezing. It will be automatically released after 24 hours.

5. If the bank card fails to apply for a new card upon expiration, the bank will freeze the expired bank card after expiration.

6. If the bank card has been reported lost for many times in a row, it will be frozen because the bank thinks it is suspected of malicious loss reporting.

The method of releasing the judicial freeze depends on what the user's account is frozen for:

1. If the freeze is caused by economic disputes or judicial cases, after such problems are solved, the user can apply to the court for releasing the freeze, and when it is verified by the people's court, the freeze will be released;

2. There is a time limit for freezing accounts. Once a certain period is met, users can apply for dissolution. The time limit for the court to freeze the bank savings and other assets of the person subjected to execution shall not exceed 6 months, and may be extended for 3 months.

To sum up, it is generally for the purpose of case investigation. The reason why the bank card and other property are frozen may be because the property involves the proceeds of crime or is closely related to crime. After the case is identified, it will be decided to collect the funds or unfreeze them according to the specific circumstances.

Legal basis:

Article 141 of the Criminal Procedure Law of the People's Republic of China

All kinds of property and documents that can be used to prove the criminal suspect's guilt or innocence found in investigation activities shall be sealed up and detained; Property and documents irrelevant to the case shall not be sealed up or detained. The property and documents seized or detained shall be properly kept or sealed, and shall not be used, exchanged or damaged.