In the process of using bank cards, many people will encounter situations where non-counter services are restricted, which brings many inconveniences to daily financial transactions. So, how can one lift the restrictions on non-counter services after a bank card is restricted?
1. Common reasons for restrictions on non-counter services
(1) Frequent transactions
Regardless of the transaction amount, once the transaction frequency is too high, it is likely to trigger the bank's risk control system. Illegal behaviors such as online gambling, fake orders, virtual currency trading, score running, and transaction laundering often have the characteristics of being frequent and abnormal. Such bank cards are usually suspended from non-counter services and may even be set to only receive payments and not pay. Some normal bank cards with low transaction volumes, like those used by students for daily small purchases, may also be restricted from non-counter services if transactions are too frequent. The underlying logic is that frequent account transactions trigger the bank's risk monitoring.
(2) Involvement of public security organs
If a bank card has been queried, stopped, or frozen by public security organs, the risk level of such accounts will be assessed as very high, often involving gambling and fraud issues. For risk control considerations, banks will take various risk control measures against such problem accounts, including adding non-counter restrictions, setting payment limits, stopping payments, or directly setting them to not receive or pay. This is because the transactions behind such accounts are associated with black and gray industries. By suspending non-counter services, the bank can effectively limit the continuation of risky transactions, reduce the probability of the bank card being frozen due to involvement in cases, and avoid penalties for the account-opening bank due to inadequate supervision, which would affect the performance assessment of the outlet.
(3) Associated control of involved accounts
When a cardholder has a bank card involved in a case and is added to the case account control list, other bank cards under their name will also be affected by associated control, leading to collective suspension of non-counter services or most accounts being suspended from non-counter services. This is because public security agencies notify the People's Bank of the information of involved accounts, and the People's Bank then publishes this information within the banking system, allowing all banks to access the information of the involved accounts and implement control measures such as non-counter service restrictions, only receiving payments or not receiving or paying at all. In such cases of list control, it is generally quite difficult to appeal in advance; usually, the involved account must successfully appeal to be eliminated before associated control can be lifted.
(4) Long-term unused
Long-term unused bank cards, although they seem safe with no transaction records, are not so from a risk control perspective. To prevent illegal activities such as renting, lending, or selling bank cards, banks will put long-term unused, no transaction record, and inactive cards into a dormant state. Accounts in a dormant state may be subject to non-counter restrictions, only receiving payments or not receiving or paying at all.
2. The process to lift restrictions on non-counter services
(1) Confirm risk anomalies
First, contact the account-opening bank to understand the specific risk anomalies causing the restriction on non-counter services. For example, is it due to frequent transactions triggering risk control, or is it because of an investigation by public security organs, or due to long-term inactivity leading to a dormant state? Only by clarifying the reasons can targeted measures be taken next.
(2) Explain abnormal transaction records
Regarding the abnormal transaction records pointed out by the bank, cardholders need to provide reasonable explanations. If the bank requests evidence to prove the legality of the transactions, cardholders should actively cooperate and provide legitimate evidence such as transaction contracts, invoices, chat records, etc. For instance, in cases where frequent transactions are due to business operations, they can provide business licenses, purchase and sales documents, etc.; for students who are mistakenly judged to have frequent transactions due to daily consumption, they can provide school payment notices, detailed consumption lists, etc.
(3) Lifting risk control based on the situation
1. Issues not involving gambling, fraud, and public security control: If the bank verifies that there are no issues related to gambling or fraud and does not fall under public security control, the bank has the right to directly lift the risk control status and restore the normal non-counter service functionality of the bank card.
2. Involvement with gambling, fraud, and related accounts: If such complex situations arise, the cardholder needs to go to the anti-fraud center for a review of the fraud risk account. Police will conduct a detailed review of the case, and if it is confirmed that there is currently no risk, the police will issue a related review result. The bank will remove risk control measures based on this result and restore the normal use of the bank card.
In summary, if a bank card is restricted from non-counter services, do not panic. One should actively communicate with the bank according to the above process, provide necessary materials and information, and cooperate with the bank and relevant departments in their investigations and reviews to quickly lift the restrictions on non-counter services and restore the normal functions of the bank card. At the same time, during the daily use of bank cards, one should also pay attention to standardized transaction behavior to avoid unnecessary risks caused by violations.
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