Police stop payment means that the public security bureau freezes the bank card. This situation usually occurs because the funds in the card are involved in the case, or someone reports a violation of the law. The public security bureau petitions the court to freeze the individual. Bank card, in this case, the bank cannot unfreeze it for you. You need to go to the Public Security Bureau to understand the situation. It will be unfrozen after the case is completed.

Credit card payment stop can be a preventive measure taken by banks to strengthen credit card management, ensure fund security, and prevent counterfeit and lost cards from being used to cause losses and adverse effects. It is an important means for people to actively reduce their own losses and prevent risks. After the credit card payment is stopped, the cardholder must handle it differently depending on the situation.

1. Under what circumstances will personal credit card account payments be stopped? Stop payment is divided into two situations: the cardholder applies to stop payment and the bank stops payment:

The cardholder applies to stop payment: the cardholder takes the initiative to report to the bank due to the loss or theft of the credit card or special personal circumstances. The protected stop payment applied by the bank will not affect the credit status of the cardholder; the stop payment behavior carried out by the bank: the bank can monitor the cardholder's card use in real time. Once illegal use of the card is discovered, In the event of overdue card application, false card application, fraudulent use or other potential risks, the bank has the right to stop payment on the credit card to protect the safety of funds.

2. Under what conditions can cardholders apply to lift the payment stop?

If the cardholder actively applies to stop payment: After the cardholder applies for a credit card loss report and receives a new card, or when the cardholder himself believes that his card is no longer risky and does not require card protection, he can Call the customer service center to apply for lifting the payment stop status; (2) If the bank takes the initiative to stop payment, it will be handled in four situations:

1. If the payment is stopped due to overdraft: the cardholder returns the overdue balance in a timely manner After overdrafting the principal and interest, you can apply to the card-issuing bank to lift the payment stop. However, the bank has the right to reduce the limit before lifting the stop payment at its discretion, and even has the right to reduce the limit of high-risk overdue cardholders by 0 and not lift the stop payment;

2. Due to suspected cash out Stopped payment: Cardholders need to provide compliant credit card credentials before they can apply to lift the stop payment. The credentials include credit card receipts, merchant invoices or shipping orders, etc. that can prove that the cardholder uses the card normally;

3. The payment of potential risk customers is stopped: the bank must conduct a risk check and verification on the cardholder. After eliminating the potential risks, the bank will then lift the payment stop as appropriate;

4. For false The bank will not lift the payment stop if you apply for a card or a counterfeit card.