I can also confirm whether it is a long-term resident. Long-term inactive accounts may be frozen, but customers can unfreeze them after checking at the counter.
Debit cards are usually frozen due to excessive card traffic, and will be automatically unfrozen in 1-3 days. But if it is frozen by the police, it must be sealed before it can be thawed.
If you can't find it at the counter, you must go to the bank. Go to the bank to find out the specific reason, or unfreeze it according to the reason.
Common causes and treatment methods of bank card being frozen
(1) self-freezing
During the use of the bank card, the bank card is frozen and cannot be traded.
1. If you intentionally enter the wrong password for 3 times at the ATM/online banking/mobile banking, the card will be frozen.
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.
(2) Bank freeze
1, triggering the bank's anti-money laundering system (such as late-night large-sum transfer, 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.
(3) judicial freezing
Property preservation or enforcement measures taken by the court at the request of the applicant after a civil dispute with other subjects is brought to the court/arbitration commission or the case enters the execution stage.
Freezing time: 1 year. After the expiration, the court may renew the seal at the request of the applicant.
Legal basis: Article 487 of the Supreme People's Court's Interpretation on the Application of the Civil Procedure Law of People's Republic of China (PRC) stipulates: "The time limit for the people's court to freeze the bank deposits of the person subjected to execution shall not exceed one year, the time limit for sealing up or distraining movable property shall not exceed two years, and the time limit for sealing up immovable property and freezing other property rights shall not exceed three years."
Treatment method:
1. If it is sealed up during the litigation property preservation stage, it may apply to the court for counter-guarantee to cancel the account, or take the initiative to mediate/reconcile with the other party, and the other party may apply to the court for cancellation of the preservation measures.
2. If the case is sealed up in the execution stage, that is, the case has been decided by the court, it is recommended to actively perform the obligations according to the court decision.
(4) public security freeze
If the bank card is frozen by the police, it means that a transaction of the bank card will be more or less related to some illegal/criminal acts. In this case, it is necessary to immediately implement the freezing reason, and then collect the corresponding evidence materials, and handle them carefully to avoid unnecessary influence.
The police often freeze bank cards in the following situations, and the specific treatment plan will be elaborated later:
1, suspected of participating in criminal activities.
If criminal activities are involved, the public security organs will often inquire and freeze the property of the suspects involved after filing a case for investigation.
Solution: The direct consequence of criminal cases is that personal freedom will be restricted. If the case filed by the public security organ is true and a wanted order is issued, it is suggested to surrender to the public security organ after consulting a lawyer, so as to reduce the circumstances of sentencing, or entrust a lawyer to intervene in the defense as soon as possible.
2. Online gambling or buying illegal lottery tickets.
Nowadays, many people will enter various illegal gambling sites, lottery websites or download apps to gamble or buy illegal lottery tickets through mobile phone WeChat in their spare time, thinking that this may be just an entertainment activity.
However, as long as "those who participate in gambling in a large amount" will violate the provisions of Article 70 of the Law on Public Security Administration Punishment: "Those who provide conditions for gambling for the purpose of making profits, or those who participate in gambling in a large amount, shall be detained for not more than five days or fined not more than 500 yuan; If the circumstances are serious, they shall be detained for more than 10 and less than 15, and fined for more than 3,000 yuan in 500 yuan. "
There are different opinions about "a large amount of gambling", such as:
Beijing stipulates that individuals who gamble above 300 yuan and below 500 yuan shall be fined below 500 yuan; Those whose gambling funds are set above 500 yuan1below 500 yuan shall be detained for less than five days.
Shanghai stipulates that individual gambling capital 100 yuan or more is a large amount of gambling capital.
Hebei Province stipulates that the gambling capital is large, which means that the personal gambling capital is above 200 yuan.
According to Shandong Province, a large amount of gambling money means that the per capita gambling money is above 100 yuan or above 400 yuan on the spot.
According to the regulations of Shenzhen, the amount of personal gambling funds above 500 yuan is relatively large.
Jiangsu Province stipulates that those who gamble above 200 yuan 1000 yuan shall be fined below 500 yuan. Personal gambling or per capita gambling 1000 yuan but less than 3000 yuan shall be detained for less than 5 days.
Undoubtedly, if the Internet and mobile communication terminals are used to transmit gambling videos and data and organize gambling activities, such as starting WeChat group gambling or developing offline participation in online gambling or buying lottery tickets, it is also easy to be suspected of constituting the crime of opening casinos as stipulated in the Criminal Law.
The second paragraph of Article 303 of the Criminal Law of People's Republic of China (PRC) stipulates that the crime of opening a casino shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or control, and shall also be fined; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined.
Therefore, don't touch the criminal law easily and don't participate in illegal and criminal activities.
3. Engage in virtual currency/blockchain transactions.
On October 20 19, 1 1 year 10, the People's Bank of China issued an announcement, emphasizing that the People's Bank of China has not issued a legal digital currency and has not authorized any asset trading platform to conduct transactions. "DC/EP" and "DCEP" in the market are not legal digital currency, and the legal listing date of digital currency transmitted through the Internet is inaccurate.
At present, although there are many virtual currency or blockchain trading platforms in the market, they have not been legally recognized, and the courts and public security will not protect such transactions, and the server terminals of many platforms are set up abroad. Therefore, many criminal gangs, especially telecom fraud teams, use these platforms for money laundering or transfer.
If you often engage in virtual currency or block transactions, the frozen bank card is easy to receive bank funds transferred by the illegal and criminal team, and it is also easy to be frozen by the public security.
4. Receive remittances from other strange third parties.
In this case, the frozen bank card often did not participate in or engage in any illegal and criminal activities, never engaged in illegal activities such as online gambling, buying lottery tickets, and did not participate in criminal activities such as telecom fraud, but was frozen by the public security organs.
Then, you need to carefully check all the recent bank transactions, especially the deposits. It is very likely that the funds transfer of suspects or platforms suspected of fraud, gambling, money laundering and other crimes caused the freezing measures of public security organs.
One of our customers opened a courier station in Myanmar. A China man came to him and said that he had run out of cash and asked his friends in China to transfer money to our customer. The customer helped him to give him 30,000 yuan in cash, from which he got a cash withdrawal fee of 300 yuan. Considering that they are all from China, if they can help in a foreign country, they agreed.
His so-called domestic friends were victims, but they were cheated by the telecom fraud team and transferred to our customers' accounts. There is no doubt that the bank card of the party concerned was frozen by the public security organ and almost issued a wanted order. After investigation and evidence collection, and entrusted the police in different places to make a record, the bank card was successfully thawed after deducting the money involved.
Therefore, it is necessary to avoid receiving transfers from strange third parties and avoid unnecessary troubles.