Remove account risk: If we use the card in an unconventional way, the banking system cannot confirm whether it is operated by itself. In order to ensure the safety of funds, channels other than counter transactions are usually suspended. At this time, you can contact the bank to show that it is my operation and apply to cancel this state.

Complete or update identity information: Basic information such as name, address, ID number, etc. should be reserved when opening an account and handling a card in CCB. If the information is incomplete, does not match the real identity or the certificate is expired, it is likely that the bank will restrict counter transactions, and we need to bring relevant documents to the bank to fill in the information. If the ID card has expired, we need to reissue it.

Transactions within 6 months after opening an account: According to the relevant regulations of the central bank, banks should suspend the counter business of accounts without transaction records within 6 months from the date of opening an account. Due to this situation, OTC trading is suspended, and we can take our ID cards to the counter to lift the restrictions. However, this is calculated from the second day after opening the account. If it has not been used for 6 months after use, it will generally not be affected.

Reasons for restricted over-the-counter trading

1. The mobile phone number reserved by the bank card is not for my own use. This situation is not uncommon. Many bank users like to use their family's mobile phone number as their bank card. Although the mobile phone number is your home, the bank is responsible for verifying the use of the reserved mobile phone number just in case. In this way, users need to provide proof of kinship with their families to lift the restrictions. If you say that the mobile phone number you reserved is a stranger, it is definitely not allowed. The bank will not easily lift the trading restrictions for you.

2. The customer's account is detected by the public security organ as the account involved. This kind of account is the most serious illegal use of bank cards, because it has been identified as a money laundering or financial fraud account by the public security organs, so this kind of account cannot be lifted in banks. The staff of the bank will ask you to consult the relevant judicial organs to find out the problems existing in your bank account. In fact, these accounts involved are the result of illegal transfer, lease and illegal transactions. Banks have the responsibility to cooperate with the public security organs to crack down.

There is no transaction in the bank card for half a year. Some bank users rarely use it after opening their own bank accounts. After all, the use of WeChat and Alipay is very convenient now, and some bank users rarely use bank cards after recharging their e-wallets. Although I have it in my bank card, once there is no normal bank transaction for more than six months, the bank will also restrict off-exchange transactions. After all, if it is not used for about six months, the bank will consider this bank card as an inactive account, which has certain potential risks.