1. Usually, when you apply for a bank card, you need to activate it before you can use it normally. Then the bank card is expired and you can't make money into it. Once the bank card expires, it becomes invalid and no longer has the financial function of the bank card. Users can only resume normal use after going to the bank's business outlets for reactivation. Bank cards are divided into debit cards (savings cards) and credit cards (credit cards), of which debit cards (savings cards) have a long validity period, usually 5 to 1 years. The validity period of different banks and different cards is different. Generally speaking, the card surface is marked with the expiration date, such as 5/24, which is valid until May 224. The bank card is naturally damaged, which will not affect the collection. For example, under the action of external force, it is deformed, broken, worn or demagnetized, although it is impossible to access the transfer and inquiry transactions at the counter or ATM, it will still not affect the collection. After the funds are remitted into the account, you can either change the card or transfer or pay through online banking and mobile banking, or Alipay WeChat. The principle of locking the card and reporting the loss is the same. Under normal circumstances, the card lock is due to the cardholder's exceeding the number of password entries on the same day and the bank actively freezes the account, while the report of loss is due to the cardholder's active freezing of the account. These two ways of freezing accounts belong to account stop payment, that is, you can only collect money but not pay, and you can't inquire at the same time, but others can make money into it.

2. The expired bank card is commonly known as zombie card. This kind of card is blocked by the bank because it has zero balance and no transaction in a certain period of time, so it can neither receive any foreign money nor pay externally, and the whole account is in a dormant state. When others make money, they will be prompted as "invalid card", and they can't make money, even if I can't use the card. If you want to use or receive foreign funds yourself, you should either activate the zombie card in the bank, or apply for a new card and provide others with a new card number.

3. 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. 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 your bank card. A bank card is a debit card. If it is frozen, it will be frozen in wrong account, which means that the bank mistakenly gives more money to the depositor's account, so the bank 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.