six reasons why bank cards are frozen and their solutions
(1) judicial freezing
judicial freezing means that when some cases are handled by judicial organs, customs and tax authorities, the personal accounts of relevant banks will be frozen. After the case is detected, the account involved can only be unfrozen if there is no major suspicion.
(2) continuous loss reporting freezing
continuous loss reporting freezing means that in a short period of time, the bank card is frozen due to continuous loss reporting for more than 3 times. In this case, the bank will judge that the cardholder has maliciously reported the loss for some purpose. To unfreeze, you need to go to the bank in person with your ID card and related credit materials.
(3) Malicious overdraft freeze
When handling a credit card, the bank will grant the applicant a certain credit limit by examining the repayment ability of the applicant. If the applicant exceeds the credit limit granted by the bank when using the credit card, the credit card will be frozen instantly. The thawing method is to repay the loan on time. If necessary, you can submit more comprehensive credit materials to the bank to apply for increasing the credit card limit.
(4) Abnormal behavior freezing
If your credit card has abnormal transactions such as malicious cashing, forged information, and incorrect password input continuously, the bank will determine that the card is at risk of being stolen, and in order to avoid the loss of the account, the bank will freeze the card. The unfreezing method is that the cardholder carries his ID card to the bank to unfreeze in person.
(5) Sleep account freezing
If an account is not used for a long time, the bank will consider it a sleep account, and if the sleep account is not activated for a long time, the bank will freeze it. To thaw, you need to go to the bank to go through the thawing procedures in person.
(6) Wrong account freezing
Another situation is that the bank made a mistake in cash flow business, which led to the transfer of more cash to depositors or the transfer of cash to other people's accounts. In this case, the bank will freeze the wrong part of the transaction. This rarely happens, after which the bank will apologize and unfreeze the account after the incident is handled.