Call the service hotline of the issuing bank to manual service, provide the ID number or bank card number, and ask the customer service to help you find out what the reason is, or take the bank card to the business hall to find out, and the bank staff will tell you what the reason is.
Bank cards are usually frozen by the public security bureau because they involve cases. The public security bureau cannot directly freeze them, and it needs to go through the court. The freezing of bank cards by the court is a property preservation measure based on the application of the parties, with the purpose of preventing the defendant from transferring assets, evading debts or taking compulsory measures according to law.
Cardholders can also bring their bank cards to the public security bureau to inquire about the reasons. However, it should be noted that they should not choose the nearest public security bureau, but go to the public security bureau where the freeze is implemented. This information base can help you find the answer. If the public security bureau freezes in different places, you need to go to different places to find out. The public security bureau usually freezes bank cards for six months, and will automatically unfreeze them after the expiration. As long as the freezing period required by law enforcement agencies is reached or the notice of unfreezing is received, the bank will unfreeze immediately without any time.
What if the bank refuses to provide it?
Legally speaking, as depositors, there is a legal relationship between cardholders and banks, and banks are obliged to inform depositors that their bank cards are frozen.
In the process of handling many cases in which bank cards were frozen by public security organs, many policemen made it clear that they would leave the contact information of public security organs in the bank, hoping that the card owner would contact them and the bank would feed back the freezing information to the card owner.
If the bank refuses to feedback the freezing information:
1. In the process of communication with the bank, we advocate that the bank should actively cooperate and give feedback, and find the account manager or duty leader of the bank to communicate, coordinate and inquire about the freezing information.
2. If the bank still refuses to provide the corresponding information after communication and struggle, you can consult or complain to the superior bank, or complain to the banking regulatory bureau or the China Banking Regulatory Commission, and you must get the frozen information so as to determine the follow-up treatment plan.
To sum up, there are many reasons why bank cards are frozen or restricted, some are judicial freezing, some are bank risks, and some are card-breaking penalties. Different situations need different treatment methods, so we must suit the right medicine and actively cooperate.
Legal basis:
Procedures for handling criminal cases by public security organs
Article 236
The time limit for freezing deposits, remittances and other property is six months. The period for freezing bonds, stocks, fund shares and other securities is two years. If it is necessary to extend the time limit for special reasons, it shall go through the formalities of continuing the freezing at the public security organ before the expiration of the freezing period. The time limit for freezing deposits, remittances and other property at one time shall not exceed six months; The longest term of each renewal of bonds, stocks, fund shares and other securities shall not exceed two years. If it continues to freeze, it shall go through the freezing procedures again in accordance with the provisions of Article 233 of these Provisions. Failing to go through the freezing procedures within the time limit, it shall be deemed as automatic thawing.
Article 238
If it is found that the frozen deposits, remittances, bonds, stocks, fund shares and other properties are really irrelevant to the case, it shall notify financial institutions and other units to lift the freeze within three days, and notify the owners of the frozen deposits, remittances, bonds, stocks, fund shares and other properties.