When the bank card is frozen by the strong wind, you must first know the reason why it is controlled by the strong wind before you can find a solution. After all, different types of bank cards may be frozen and unfrozen in different ways. The reasons for freezing may be different, and the unfrozen methods may also be different.

Cannot use credit card risk control freeze. Reason:

Overdue for a long time

2. Long-term minimum payment. For example, if China CITIC Bank has paid the minimum repayment amount for three consecutive months, it is very likely that the card will be banned.

The above two reasons are that the bank has questioned your repayment ability, and you need to make some optimizations. Don’t get into the minefield of credit cards.

Three cash withdrawals

The original intention of the credit card is to allow cardholders to consume in advance and satisfy their shopping desires. In reality, it's just the opposite. Most people use credit cards to place orders, but they don't know that the risk control system launched by the bank is not a decoration. Get a panoramic view every time you swipe your card. If you are caught, your money will be reduced or your card will be blocked.

Solution: Pay attention to your repayment posture and card swiping movements. For reasons well known, you can call me for details.

There is also the risk control freeze on debit cards. You must have touched the bank's taboo, or even the red line of national law.

The reasons for self-examination are as follows:

Frequent transfers

This type of risk control freeze often occurs when new debit cards are issued or debit cards have not been used for a long time. A sudden large or frequent transfer triggers the bank's risk control system and the account is temporarily frozen.

Solution: Generally, in this case, the bank will take the initiative to call you to ask. Don't be afraid, just find a suitable reason to answer, or you can go to the bank counter with your ID card.

Unfreezing time: 24 hours

Second, the loan is overdue or the deposit account is blocked, and the number of credit cards decreases during the Spring Festival. See if you have stepped on the red line!

In this case, the loan from the contracted bank is often overdue for a long time, resulting in the debit card or credit card being frozen.

Handling method: Contact the bank where the account is opened directly, take the initiative to pay off the debt, and handle it according to the bank's requirements.

Unfreezing time: The bank will unblock the loan after deducting the loan amount.

Long-term use or insufficient balance

Currently, the state-sponsored card cancellation campaign is in full swing. With the active cooperation of banks, cardholders’ accounts have been cleared for three months or half a year. The transaction goes to sleep on its own.

Solution: Bring a valid ID card to the counter to trade a sum of money and unfreeze it yourself.

Judicial Freezing

Reason: After being sued, the plaintiff requests to freeze your property, including your bank account.

The solution is to settle your lawsuit.

Applications to freeze credit cards are always rejected by the police. Avoid these pitfalls and choose cards.

If a bank card is frozen by the police, it means that a certain transaction on the bank card will be more or less related to some illegal and criminal activities. In this case, the reason for freezing needs to be implemented immediately, and then the corresponding evidence materials must be collected and handled with caution to avoid violating the law.

Self-examination is recommended in the following situations:

1. Suspected of criminal offenses

Those who gamble

Sanhe Overseas Account Day Trading

4. Participate in virtual currency/blockchain transactions

5. Receive a transfer from an unfamiliar account.

In this case, the frozen bank card is often not involved in or engaged in any illegal or criminal activities. They have never engaged in illegal activities such as online gambling, lottery purchasing, telecommunications fraud, etc., but they have been frozen by the public security organs.

Then, you need to carefully check all recent bank statements, especially deposits. The freezing measures taken by the public security organs are most likely due to the transfer of funds by suspects or platforms suspected of fraud, gambling, money laundering, etc.

Solution: After checking whether you have committed any illegal or criminal acts, actively cooperate with the bank or relevant departments to unfreeze your account.

Related Q&A: The best way to relieve risk control in Huabei. The best ways to relieve risk control in Huabei are: 1. If you are risk controlled due to overdue payment, you must first pay off the overdue balance, then close Huabei and reopen it. . If it cannot be activated, then there is generally no problem if you wait until the next accounting period to activate it again. 2. If the risk is controlled due to cashing out, the user cannot lift the risk control by himself. The system will lift it based on the user's account situation. Therefore, it is best not to use Huabei to cash out, so as not to affect the use of Huabei functions. Extended information 1. How to check whether your Huabei has been risk controlled? 1. In fact, it is very simple to check whether your Huabei has been risk-controlled. You only need to find a merchant that supports Huabei payment to make any purchase, and then select Huabei as the payment method when scanning the QR code to pay, and then you can check Huabei. Whether it is risk controlled. 2. If you can successfully choose Huabei as the payment method, it means there is no problem with your Huabei. If you cannot choose Huabei as a payment method, and there is no problem with your Huabei limit, then this means that your Huabei is subject to risk control. 2. How to know how long your Huabei risk control will last? 1. The Huabei risk control time is not specifically fixed. It mainly depends on the system comprehensive evaluation results. If the system comprehensive evaluation passes and the account risk decreases, the risk control will naturally be lifted. And if account risks continue to rise and the system's comprehensive assessment fails, risk control will naturally continue to be implemented. 2. Everyone needs to note that the system generally conducts a comprehensive assessment of the user's account usage, consumption repayment records, liabilities, credit status, etc. every one month or so. After Huabei’s risk control, it is recommended that users accumulate good credit and wait two or three months before looking again. 3. How long does it take for Huabei risk control to be lifted? Regarding the question of how long the Huabei risk control time is generally, according to many netizens whose Huabei has been risk controlled, if there is no problem with your Huabei, basically until the next billing day, the system will naturally process your Huabei. Bai's risk control has been lifted. Related Q&A: What are the signs before a credit card is charged? How to prevent credit card risks?

The use of credit cards is becoming more and more common, but it is troublesome when the card is blocked, especially when the capital chain is about to break. What are the signs of a blocked credit card? My personal experience:

1. Limit transactions. Once you use the card, you need to reswipe it several times. In this case, I personally recommend using a machine two or three times. If you cannot trade, call customer service for consultation and then trade the next day. Remember, especially Pufa.

2. Notification by phone or text message. After using the card once, a credit card text message will remind you of risky transactions or call for consultation (generally why there are risky transactions). This is also a danger signal. Answer the phone directly. After receiving the text message, you must call customer service immediately. Remember to take the initiative. It is best to remember the merchant who used the card, and also read and remember the name of the merchant in the tx. . This peaceful one is the most positive.

3. Promote installment plans three days before the bill date. Appropriate installment, not full installment, if this happens for two consecutive billing cycles, well, it's dangerous. CITIC in the first half of 2019. . .

4. When applying for value-added services in credit cards, such as CITIC Dream Gold, Pudong Development Bank’s Universal Gold, etc., the service suddenly stopped during the turnover period.

If your personal credit report has overdue records, focus on various financial news. For example, Shanghai Pudong Development Bank’s illegal lending began in 2018 and CITIC falsely increased its loans. As a person whose credit report is six months overdue, every time All reductions are included.

Credibility is valuable, practiced and cherished. In a few years, he will say goodbye as legitimately as Marvin.