1. A bank card is a credit card (debit card). If it is frozen, there may be abnormal transactions such as malicious cashing, forged information, and consecutive password errors in the credit card. The bank card may be frozen by the bank.
2. No matter what kind of bank card it is, if you enter the password three times in a row, the banking system will automatically lock the bank card password, which is similar to freezing, but not freezing. It will be released automatically after 24 hours.
3. If you don't apply for a new card when the bank card expires, the bank will freeze your expired bank card after it expires.
4. If the bank card reports the loss several times in a row, it will be frozen because the bank thinks it is suspected of malicious loss reporting.
Second, how to solve the problem of ICBC card being controlled by wind?
Please bring your ID card and bank card to the bank business hall for thawing.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.
Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes.
Card type
Classification method
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 be divided into magnetic stripe cards and chip cards according to different information carriers;
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 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 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.