It may be that the user's bank card account was frozen for some reason. In this case, the balance will still be displayed normally in the account. However, because the bank card is in a frozen state, it can only be collected and not paid, so it is impossible to use the account balance for consumption.

The user used the bank card account to purchase wealth management products, but the account funds were not removed. Because the purchased wealth management products have been put into the system, the account balance is locked, which will lead to the situation that the account has a balance but cannot be used.

Bank cards have no balance for a long time, and whether they can be used after long-term use depends on the standards of major banks. Take the following banks as examples:

Industrial and Commercial Bank of China: If there is no online banking, withholding and remittance business in the customer account, and the average daily balance is lower than that in 300 yuan, the bank will automatically deduct the quarterly management fee of 3 yuan, with an annual fee of 10 yuan. If the balance is deducted, arrears will be formed. If you are in arrears for one and a half years, the bank will automatically close the account.

China Construction Bank: Accounts that have not been used for more than 3 years and have zero fund balance cannot be used normally. If customers need to use it, they need to activate it at the account opening branch. At present, there is no notice of automatic account cancellation from the head office. If necessary, customers can cancel their accounts at the outlets themselves.

Agricultural Bank: If the customer's account balance is zero and has not been used for one and a half years, the bank will automatically turn this card into a "sleep account" and can no longer use it. If it is not used for 5 years, the bank will automatically close the account.

Bank of China: The debit card has not been used for one year, and there is no money on the card, so it will be suspended. If customers want to use this card, they need to bring their ID card and bank card and go to the counter to activate it. If the account has no money and is useless for three years, such an account will be automatically cancelled by the bank.

Bank of Communications: automatically close accounts with zero balance that have not been traded for two consecutive years.

China Merchants Bank: Even if the customer's bank card is not used for a long time, the status of the bank card has been normal, and the bank will not automatically close this account. If customers want to close their accounts, they need to go to the outlets in person.

How to unfreeze a frozen savings card?

First of all, we need to find out why the bank card is frozen. The bank card is frozen for different reasons, and the business that needs to be handled is different.

If the savings card is frozen due to continuous incorrect password input, the user can go through the thawing procedures at the Agricultural Bank outlet with his ID card and bank card when remembering the password; If you don't remember the password, you need to go through the relevant password reset business in the bank before you can unfreeze it.

After the user's bank card is lost, if the loss is reported, the bank card will also be frozen. In this case, it can only be unfrozen after the loss of the bank card or the completion of the bank card replacement business.

If the savings card of the Agricultural Bank of China is frozen due to judicial reasons or court dishonesty, the bank card can only be unfrozen after cooperating with judicial investigation or fulfilling repayment obligations. In this case, the user can't unfreeze the bank card actively, so the time to unfreeze the bank card is uncertain.

There is a balance in the bank card. Why is the available balance zero?

China bank card has a balance, but the available balance is zero, which may be due to the following reasons:

1. The balance you show may be a time deposit. Time deposits are fixed and cannot be used during the deposit period, so they are not shown on the balance.

Second, the funds are frozen and the account has a balance. This situation is most likely to be frozen by the court. The reason for freezing may be illegal behavior or debt problems.

3. Withholding but not completing the transfer. If you buy a bank's wealth management product, it is possible that the money has been entrusted by the bank, but the money has not been deducted, and the account balance will still be displayed in the account, but the available balance is zero.

I. Company Profile Bank of China was established in Shanghai in 19 12 with the approval of Dr. Sun Yat-sen, and it is one of the oldest banks in China.

From 19 12 to 1928, Bank of China performed the functions of the central bank, and was responsible for acting as an agent for the national treasury, accepting foreign exchange public funds and issuing paper money.

From 1928 to 1942, Bank of China, as an international exchange bank chartered by the government, actively borrowed advanced international experience to reform the management mechanism, and took the lead in entering the international market in China financial circles, and successively set up branches in international financial centers such as London, Singapore and new york.

From 1942 to 1949, China Bank, as a specialized bank in international trade, was responsible for the receipt and payment of government foreign funds, the development of foreign trade and the handling of relevant loans and investments.

After 1949, China Bank has long been a national specialized foreign exchange and foreign trade bank, managing the national foreign exchange in a unified way, carrying out international trade settlement, remittance and other non-trade foreign exchange businesses, and vigorously supporting foreign trade development and economic construction. Since the reform and opening-up, China Bank has seized the historical opportunity of the country's utilization of foreign capital and advanced technology to speed up economic construction, exerted its unique advantages in long-term foreign exchange business, and become the main channel for the country to utilize foreign capital.

Second, the company logo

With the approval of the head office of Bank of China, 1986 officially adopted the bank standard of China.

The logo of the bank was designed by a famous Hong Kong designer, and it is based on China ancient coins and the word "Zhong". Ancient coins are designed with round and square borders, with a square hole in the middle and a vertical line up and down in the shape of a Chinese character, which means that the world is round and the economy is the foundation, giving people the impression of simplicity, stability, easy identification, profound meaning and quite Chinese style.

How is it that there is money in the bank card but the available balance is 0?

There are four main reasons:

First, the funds are locked.

There are two situations in which funds are locked:

① Purchase wealth management products

I was embarrassed by this once. I invited people to dinner, and the balance was insufficient when I paid. But I found that the balance was obviously enough to pay for the meal through mobile banking. Finally, I called the bank's customer service phone to know that I had reserved a wealth management product before, but the funds were locked and could not be used, resulting in an obvious balance in my card, but the available balance was gone.

This situation is not uncommon, because many wealth management products are sold through pre-sale, so as long as all the money in the bank card is used to buy this wealth management product during the pre-sale time, all the funds in the card will be locked and can only be used to buy this wealth management product, and cannot be used for other purposes. At this time, you will find that there is money in the bank card, but the available balance will be displayed as 0.

The money is still on the way.

After 24 hours, there will be a situation when transferring money through ATM or mobile phone, that is, the money is on your card but not entirely yours. It can be considered that the money is still on the road and is in a locked state. Only after 24 hours can all the money on your card be used up.

Two. The balance is a time deposit.

The money in the bank card is divided into time deposit and current deposit. When we look at the deposit balance, the result is the sum of the two, but if we look at the available balance, we will find that only the money in the current deposit is available.

For example, we have 20,000 time deposits in our card, and the current deposit is 0. When checking the balance, the balance is 20,000, while the available balance is 0. Even if we check the balance in some older ATMs, it will be directly displayed as 0, because some ATMs only display demand deposits.

If this is the case, and we need money urgently, we only need to convert time deposits into current deposits to use money normally.

Third, the bank card was frozen.

If the bank card is frozen, no matter how much money is in the card, it cannot be used during the freezing period, and the available balance is 0. If you want to use the money in the card, you can only use it when the bank card has passed the thawing period. There are two main reasons for being frozen:

Have a debt dispute with others. If there is a debt dispute with others, the court will freeze the debtor's related property, including bank cards, once the creditor applies to the court for preservation.

2. Suspected of illegal and criminal activities. If the cardholder participates in illegal and criminal activities, the bank card is likely to be frozen by the judicial authorities to avoid transferring assets.

Even if there is money in the bank card, if the bank card is frozen, the available balance is 0.

To sum up: the bank card has a balance, but the available balance is 0, which may be the following three situations: 1 The funds are locked. ① Financial products are pre-purchased. The money is still on the way, and the transfer has not been fully received. 2. All funds are time deposits; 3. The bank card is frozen, probably because ① there is a debt dispute with others ② it is suspected of illegal and criminal activities.

The CCB card has money and can display the balance, but the available balance is zero. Why?

Hello, there is a balance in the construction bank card, but I can't get it out. It's usually frozen, and you can't use it if you have money. You can take your ID card and bank card to the bank to unlock it.