1. The freezing of bank cards is generally caused by the following reasons:
1. If there is an abnormal transaction and the overdraft exceeds the share, the password will be automatically frozen after three consecutive mistakes and unfrozen after 24 hours;
2. The freezing of bank cards due to third-party reasons may be necessary for handling cases according to law. In some special circumstances, bank cards need to be frozen, and the thawing time depends on the needs of third parties;
3. If it is a credit card, abnormal transactions, malicious cashing, forged information and continuous password errors will be frozen. When the user overdraws beyond the limit, the bank will immediately freeze the bank card, and the thawing time is uncertain. Users had better bring their ID cards to the bank counter for consultation.
In rare cases, the bank will mistakenly deposit more money into the user's account when trading. At this time, the bank will freeze the extra part, which belongs to the wrong account freezing and will not be thawed.
The time for temporary freezing and thawing of bank cards should be determined according to the severity of violations. However, if you want to freeze the bank card actively, you can call the bank customer service phone to report the loss and freeze it. The thawing time can be decided by the card owner.
legal ground
Criminal law of the people's Republic of China
Article 2 The task of criminal law in People's Republic of China (PRC) and People's Republic of China (PRC) is to fight against all criminal acts and punish them, so as to safeguard national security, the people's democratic dictatorship and the socialist system, state-owned property and property collectively owned by the working people, property privately owned by citizens, citizens' personal rights, democratic rights and other rights, social and economic order and the smooth progress of socialist construction.
Procedures for handling criminal cases by public security organs
Article 237 The public security organ may, according to the needs of investigating a crime, inquire about and freeze the deposits, remittances, securities trading settlement funds, futures deposits and other funds, bonds, stocks, fund shares and other securities, as well as equity, policy rights and other investment rights and interests of the criminal suspect, 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.
Procedures for handling criminal cases by public security organs
Article 243rd The time limit for freezing deposits, remittances, securities trading settlement funds, futures deposits and other properties is six months. The time limit for freezing deposits, remittances and other property shall not exceed six months.
Procedures for handling criminal cases by public security organs
Article 240th If it is necessary to continue to freeze the property of a criminal suspect, it shall go through the formalities of continuing to freeze it in accordance with the original approval authority and procedures before the expiration of the freezing period. Failing to go through the freezing procedures within the time limit, it shall be deemed as automatic thawing.
Criminal Procedure Law of the People's Republic of China
Article 144 People's procuratorates and public security organs may, according to the needs of investigating crimes, inquire about and freeze the deposits, remittances, bonds, stocks, fund shares and other property of criminal suspects in accordance with regulations. The relevant units and individuals shall cooperate.
The relevant provisions of the measures of sealing up and freezing shall apply to the handling of criminal cases by public security organs.
Article 3 The seizure, receipt, storage and disposal of the property involved must be carried out in strict accordance with the applicable legal conditions and procedures. Property irrelevant to this case shall not be sealed up or frozen.
The relevant provisions of the measures of sealing up and freezing shall apply to the handling of criminal cases by public security organs.
Article 27 The amount of the frozen account involved in the case shall be equal to the amount involved. Funds exceeding the amount involved shall not be frozen.
code of civil law
Article 103 Property preservation shall be sealed up, detained, frozen or other methods prescribed by law. After the people's court has preserved the property, it shall immediately notify the person whose property has been preserved.
code of civil law
Article 242 If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. From the relevant units. The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform.
Criminal procedure law
Article 141 stipulates that all kinds of property and documents found in investigation activities that can be used to prove the criminal suspect's guilt or innocence shall be sealed up and detained; Property and documents irrelevant to the case shall not be sealed up or detained. The seized and detained property and documents shall be properly kept or sealed, and shall not be used, exchanged or damaged.