It means the card is frozen.
Credit cards are blocked and frozen, which means that credit cards are controlled by bank risks, and then payment is stopped. Although the credit card account still exists and there is a lot of money in the card, it can no longer be traded, not only can it not be spent by credit card, but even cash can not be withdrawn. Only by letting the bank cancel the card's payment suspension status can the card be resumed.
Many people are overdue for 2-3 times because of the large amount of credit card overdue. If you are frozen by the bank for one month, you need to pay off the arrears, call the bank to explain the situation, emphasize non-malicious overdue, and ensure the repayment on time next time. Be sincere. The bank has been using the card well before, and will resume using the card after comprehensive evaluation of the system.
What is the reason for the bank card being blocked?
Bank card account sealing means that the account is frozen by the bank and it is impossible to withdraw and handle other business.
The bank card account sealing solution is as follows:
1, I have my ID card.
2. Go to the card opening branch to apply for an activation card.
3. Set the password according to the counter instructions.
4. Sign to confirm that the bank card has been activated.
Article 117 of China's Criminal Procedure Law stipulates: "People's procuratorates and public security organs may inquire and freeze the deposits and remittances of criminal suspects according to the needs of criminal investigation."
Article 29 of the Supreme People's Law "Provisions on Confiscation, Attachment and Freezing of Civil Execution Property" stipulates that the time limit for the people's court to freeze the bank deposits and other funds of the person subjected to execution shall not exceed six months, of which the time limit for attachment and seizure of movable property shall not exceed one year, and the time limit for freezing other immovable property rights shall not exceed two years. Except as otherwise provided by laws and judicial interpretations.
Provisions of banking financial institutions on assisting people's procuratorates of public security organs in investigating the freezing of state security organs Article 1 In order to standardize the property of banking financial institutions in assisting people's procuratorates, public security organs and state security organs in inquiring and freezing units and individuals to participate in deposits or remittances, ensure the smooth progress of criminal investigation activities and protect the legitimate rights and interests of depositors and other customers;
These Provisions are formulated in accordance with the Criminal Procedure Law of People's Republic of China (PRC), the Law of People's Republic of China (PRC) Commercial Bank and the Banking Supervision Law of the People's Republic of China.
201February 2, 200514 annual payment system report released by China people's bank shows that by the end of 20 14, 4.936 billion bank cards had been issued nationwide, an increase of17.5438+03 over the end of last year. Among them, 448,654.38 billion debit cards and 455 million credit cards were issued. The data shows that by the end of 20 14, China had 3.64 bank cards per capita, an increase of 17.04% compared with the end of last year. For details, please refer to Forward-looking Report on In-depth Investigation and Development Prospect Forecast of Bank Card Industry in China. Among them, 0.34 credit cards were held per capita, an increase of 17.24% compared with the end of last year. The per capita possession of credit cards in Beijing and Shanghai is still much higher than the national average, reaching 1.7 and 1.33 respectively. The report shows that China's credit card credit scale has grown moderately, and the credit utilization rate has continued to rise. By the end of 20 14, the total credit granted by credit cards was 5.6 trillion yuan, up 22.5% year-on-year. The average credit line of credit cards was 1.23 million yuan, and the credit utilization rate was 4 1.69%, which was 1.4 percentage points higher than the end of last year. The total outstanding credit of credit cards overdue for half a year was 35.764 billion yuan, an increase of 65.438+0.0572 billion yuan or 465.438+0.97% compared with the end of last year.
What does the bank card seal mean?
Bank card account sealing means that the account is frozen by the bank and it is impossible to withdraw and handle other business.
The bank card account sealing solution is as follows:
1, I have my ID card.
2. Go to the card opening branch to apply for an activation card.
3. Set the password according to the counter instructions.
4. Sign to confirm that the bank card has been activated.
Classification method of bank cards
Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can also
According to different information carriers, it is divided into magnetic stripe card and chip card;
According to whether the issuer is in China, it is divided into domestic cards and overseas cards;
It is divided into personal cards and unit cards according to different issuers;
According to the different currencies of accounts, they are divided into RMB cards, foreign currency cards and dual currency cards.
debit card
Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.
Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.
credit card
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.
credit card
Creditcard, usually called credit card, refers to a credit card that the issuing bank gives the cardholder a certain credit limit within which the cardholder can spend first and then repay. It has the following characteristics: consumption before repayment, interest-free repayment period (up to 56 days), minimum repayment amount, and repayment by installments when customers overdraw. Customers need to pay a certain annual fee to the bank they apply for, and each bank is different.
Semi-credit card
Quasi-credit card is a single-currency single-account credit card, with interest-bearing deposits in RMB, which is used for credit card consumption, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption, online banking transactions and so on. When the balance of credit card consumption and cash withdrawal account is insufficient to pay, the cardholder can overdraw consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period.
When using a credit card, what is the difference between freezing and sealing the card?
The credit card is seized and frozen, which is the bank's risk control credit card, and then measures are taken to stop payment. Although the credit card account still exists and there is a lot of money in the credit card, it can no longer be traded, not only for consumption, but also for cash withdrawal. Only by letting the bank cancel the card's payment suspension status can the card be resumed. According to the reasons of blocking and freezing, the results of lifting the payment stop are different. In one case, many cardholders are overdue for 2 to 3 years because of the large amount of overdue credit cards. If it has been seized and frozen by the bank for one month, you need to call the bank to explain the situation after paying off the arrears. You must emphasize whether your A is maliciously overdue and ensure that you will repay it on time next time. Your attitude should be sincere. We have used a good card system before, and it may be resumed after comprehensive evaluation.
Only by letting the bank cancel the card payment stop state can the card be restored. According to the reasons of blocking and freezing, the results of whether the payment can be lifted are different. In one case, many cardholders are overdue for 2 to 3 years because of the large amount of overdue credit cards. If it has been seized and frozen by the bank for one month, you need to call the bank to explain the situation after paying off the arrears. You must emphasize whether you are maliciously overdue and ensure that you will repay on time next time. Your attitude should be sincere. We have used a good card system before, and it may be resumed after comprehensive evaluation.
In another case, a friend made many abnormal transactions, was monitored by the wind control system, and was suspected of cashing out. Unless you can provide proof of the real transaction, this card will be permanently blocked and frozen, and you will have no chance to use this card again. In another case, personal accounts involved in economic cases were frozen by public security organs. This situation can only be investigated by the case-handling unit. My account has nothing to do with the case or has been closed. You can apply for unsealing.
It is best to unfreeze the credit card seal. If the credit card is really irrecoverable, there is no need to keep it. Only households, no longer occupy the total credit line. The credit card is seized and frozen, which is the bank's risk control credit card, and then measures are taken to stop payment. Although the credit card account still exists and there is a lot of money in the credit card, it can no longer be traded, not only for consumption, but also for cash withdrawal. Only by letting the bank cancel the card's payment suspension status can the card be resumed. According to the reasons of blocking and freezing, the results of lifting the payment stop are different.
Who knows what to do if China Construction Bank is blocked? Will it be automatically unblocked?
1. Generally, it will not be unsealed automatically. I suggest you call CCB customer service to inquire about the reason for being frozen. According to different situations, the customer service will give you advice on how to deal with it.
2. After being stamped by CCB, the user can bring his bank card and personal ID card to the counter of the nearest CCB outlet and ask the staff to activate it.
3. Usually, when the user activates, the staff of CCB will ask the user to input the card password and other related information. The reason why the CCB account was blocked was because the user did not use the card for a long time, but it was temporarily blocked, and the user could use it normally after the second activation.
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1. There are two main reasons for the seizure of CCB: Generally speaking, bank cards are generally divided into credit cards and debit cards. In fact, the two are frozen for different reasons, such as credit cards, which are often due to overdue, cashing out or bank risk control. If the debit card is frozen, it may be because the wrong password has been entered more than times, the judicial organ or the bank has made a mistake.
1. Customer reason: the account has not been used for more than half a year, and the system will automatically switch to suspended use.
2. System reason: due to judicial freezing or risk account, it is controlled not to accept or pay.
Second, the bank card account sealing solution:
1, I have my ID card.
2. Go to the card opening branch to apply for an activation card.
3. Set the password according to the counter instructions.
4. Sign to confirm that the bank card has been activated.
Third, how to remove the bank card seal?
1. Due to the seal caused by suspected economic reasons, the user needs to dial.
Call the customer service number on the back of the credit card. If you owe money, users need it.
Pay off the arrears first, if there is no arrears, the user can only wait for the automatic.
Unseal. Due to economic reasons, the bank card is frozen and cannot be straightened.
After unsealing, the case will be unsealed after it is effectively solved.
2. If the credit card is sealed, the user needs to see yes.
No, there are overdue cases. If the credit card is seriously overdue,
Because the card is blocked, the cardholder needs to be seriously overdue in the credit card.
In case, pay off the debt in time and call the bank customer after repayment.
Service, select manual service to try to apply for credit card unfreezing.
3. If the credit card is blocked because it is suspected of cashing out, hold it.
Cardholders can provide credit card consumption vouchers and invoices to banks.
To prove that the money is normal consumption rather than cash, and then
The bank will unfreeze the bank card.
This concludes the introduction of credit card seal and credit card seal. Did you find the information you needed from it?