9920 is risk control. This situation should be bank risk control plus remote judicial freezing. Two-way freezing means that the money in the bank card cannot be withdrawn, and money cannot be deposited into the bank card or transferred. Bidirectional freezing of credit cards is relatively serious. Generally, the cardholder's name and bank card are frozen by the court or the Ministry of Public Security, or the authenticity of the identity information cannot be verified.

The reasons for the occurrence of 9920 may be: long-term account inactivity, account management and personal financial intelligent risk control. If the bank card has not been used for more than 6 months and has been suspended, the customer will bring the bank card and ID card to a nearby branch to cancel the suspension, and the counter will use 7688 transaction to cancel the suspension. It is possible for your account to be controlled due to gambling or fraud. For specific reasons, you need to check the locked outlet and the reason through the 1737 transaction based on the card number or account. This kind of control generally means that the account-opening branch receives a list of assisting customers from its superiors, makes a judgment on whether the account is abnormal after checking the customer flow, and then authorizes the teller to control the account to stop receipts and payments. Since bank employees are not law enforcement officers, judgments are subjective, and involvement in gambling and fraud does not mean that the crime has been completed. Therefore, account control has the purpose of forcing customers to re-verify their identity. Usually, customers fill in the account verification form and accept verbal inquiries and inquiries from the bank. After warning, the lock can be released.

If the counter 7688 transaction query result is "Reaf Application Synchronized Intelligent Risk Control", then the account belongs to the "Personal Finance Intelligent Risk Control System" control account. The counter cannot be unlocked. Currently, it only supports "Goldwind Intelligent System"-List Management-List Unlocking, which requires branch personnel to conduct due diligence on customers. Generally speaking, the locking and freezing of ICBC cards mainly have different reasons and processing methods. Users can analyze and handle according to the actual situation. It should be noted that if the ICBC card is not unfrozen within one year after it is frozen, the bank card will be canceled one year from the date of freezing, that is, it will never be used.