Both public security organs and people's procuratorates have the right to freeze bank cards.
Freezing means that users are not allowed to transfer funds into and out of their accounts. Bank card accounts only accept and not freeze, which means that users can transfer funds, but they can't transfer them out. A bank card is a credit card (debit card). If it is frozen, it may be that the credit card has had abnormal transactions. Generally, bank cards are frozen by public security organs or judicial organs because of potential risks in financial fraud or capital transactions. This kind of freezing cannot be unfrozen in banks, and can only be lifted by public security organs or judicial organs.
Bank card freezing is divided into one-way freezing and two-way freezing. One-way freezing means only paying and not paying. Only accept and not pay, that is to say, bank cards can only accept deposits, not cash withdrawals, and cannot be used for credit card consumption; You can only transfer money, withdraw cash and spend by credit card, but you can't accept deposit. A two-way freeze means that there is no money to exchange, whether it flows in or out. This situation is more serious. Generally, this kind of freezing will only happen when economic crimes are involved.
When the public security organ detects an economic case, if it can find that the payee's account exists in the victim's transfer record, in this case, it will freeze the criminal's bank card account number in both directions to reduce the number of victims, and at the same time, it can ensure that the victim's funds have not been transferred out, which can ensure the safety of funds. Another situation involves money laundering. Some criminals will transfer bad money through regular bank accounts in order to possess bad assets. Therefore, when the public security organ detects the money laundering account, it will also freeze the bank card in both directions.
legal ground
Article 191 of the Procedural Provisions of Public Security Organs on Handling Criminal Cases: Public security organs should investigate criminal cases that have been put on file in a timely manner, and comprehensively and objectively collect and obtain evidence of the criminal suspect's guilt or innocence, and the crime is light or heavy. Article 237 The public security organ may, according to the needs of investigating crimes, inquire about and freeze the criminal suspect's deposits, remittances, funds for settlement of securities transactions, futures deposits and other funds, bonds, stocks, fund shares and other securities, as well as equity, policy rights and interests and other investment rights and interests, and may require the relevant units and individuals to cooperate. The property specified in the preceding paragraph shall not be transferred, allocated or transferred or detained in disguised form by other means.