1. Whether it's illegal to use bank cards to receive and pay depends on the situation:

(1) is generally illegal, which may not only cause huge economic losses, but also face legal punishment;

(2) Institutions qualified to carry out payment business include banking financial institutions and payment institutions that have obtained payment business licenses, which are legal at this time. The business scope of payment institutions should include online payment, prepaid card issuance and acceptance or bank card receipt.

2. Legal basis: Article 243rd of the Procedures for Handling Criminal Cases by Public Security Organs.

The time limit for freezing deposits, remittances, securities trading settlement funds, futures deposits and other property is six months. The maximum period of each freeze shall not exceed six months.

For major and complicated cases, with the approval of the person in charge of the public security organ at or above the municipal level, the time limit for freezing deposits, remittances, securities trading settlement funds, futures deposits and other property can be one year. The maximum period of each freeze shall not exceed one year.

Article 246

For frozen bonds, stocks, fund shares and other properties, the parties concerned or their legal representatives or entrusted agents shall be informed of the right to apply for the sale.

The obligee's written application to sell frozen bonds, stocks, fund shares and other properties does not harm the interests of the state, victims and other obligees, and does not affect the normal progress of litigation. If the validity of frozen bills of exchange, promissory notes and checks is about to expire, they can be sold or sold according to law with the approval of the person in charge of the public security organ at or above the county level, and the proceeds will continue to be frozen in their corresponding bank accounts; If there is no corresponding bank account, the proceeds shall be deposited in a special account designated by the public security organ in the bank, and the parties concerned or their close relatives shall be informed in time.

2. How to remove the frozen bank card?

1. If the card password entered in the website is wrong and it is frozen, it can be automatically unfrozen the next day;

2. The card is locked due to the wrong password input at the ATM, and it needs to be unlocked at the counter;

3. If the mobile phone is frozen, it will be automatically unfrozen after seven days;

If you are frozen by the bank for other illegal reasons, you must actually prove that there is no misconduct in your account before the handling personnel can unfreeze it.