Can I do it if the bank card is frozen?

Yes, you can.

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.

Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

Reasons for bank card being frozen:

1. If the bank card is a credit card, it may be that there have been abnormal transactions on the credit card, such as malicious cashing, forged information, and continuous password errors.

2. A bank card is a debit card. If it is frozen, it is the wrong account, that is, the bank mistakenly gave more money to the depositor's account, so the bank may freeze the extra part. The first is the judicial freeze. According to the relevant provisions of the law, the judicial, customs and tax authorities may apply to the bank for freezing the bank card due to the needs of the case.

3. If the password is entered three times in a row, the bank system will automatically lock the bank card password.

4. The loss report of bank card is frozen.

Common causes and treatment methods of bank card being frozen

Self freezing

During the use of the bank card, the bank card is frozen and cannot be traded.

1. You can freeze the card by intentionally entering the wrong password three times at ATM/ online banking/mobile banking.

Freezing time: generally 24 hours.

How to handle it: basically, it will be unlocked automatically after 24 hours, or you can take your ID card to the counter of a bank outlet to unlock it, or you can reissue your card or reset your password.

2. Call the bank to report the loss orally.

Freezing time: generally 5 days, depending on the situation of each bank.

How to handle it: basically, it will be unlocked automatically after 5 days, or you can take your ID card to the bank outlet counter to unlock it.

3. Take your ID card and bank card and go to the bank counter to cancel the bank card.

Processing result: long-term freezing.

Bank freeze

1, triggering the bank's anti-money laundering system (such as large-sum transfer in the middle of the night, multi-person day trading, credit card cashing and other special circumstances).

Generally speaking, banks will not directly freeze bank cards, but will only restrict the counter business of bank cards or "only accept and not pay", that is, suspend some trading rights of bank cards.

How to handle it: contact the bank directly and provide your relevant information according to the requirements of the bank (generally explain the reasons for capital exchange).

2. The credit is overdue or the deposit account is frozen.

In this case, the savings card or credit card is often frozen due to overdue loan or credit card risk of the contracted bank.

Handling method: contact the bank directly and handle it according to the requirements of the bank.

3. Other special circumstances

If the balance is less than 100 yuan, the bank card will be frozen if it is not used for a long time. For example, CCB stipulates that if the bank card balance is less than 100 yuan, it will be frozen after three years, and if it is not thawed within one year after freezing, the bank card will be cancelled one year after freezing, that is, it will never be used.

Handling method: Pay attention to the use of bank cards or actively handle them according to the requirements of conference banks.