The key lies in whether the status of personal identity information in the bank's system is normal. If there are public security control records or bank risk control records, and one is listed as a high-risk individual, they will not be able to open a card. Only by eliminating abnormal factors can normal card opening services be restored. The removal of public security control records is usually related to involved accounts, total control, or card-breaking punishment lists.
As for how to remove it, it should be determined based on the root cause of the case-related issue. If the control is due to illegal activities such as renting, lending, or selling two cards, it cannot be appealed and one can only wait patiently for the punishment period to expire. The current punishment period is five years, and the Ministry of Public Security may adjust it to two or three years in the future.
In cases related to telecom fraud, if it is a first-level involved card, the likelihood of subsequent control is high; if not controlled, new accounts can still be processed normally. Once a bank card is found to be frozen, it is best to contact the case officer as soon as possible to resolve the issue quickly and prevent various control situations.
Numerous practical cases indicate that quickly filing an appeal to unfreeze is effective in avoiding being listed on the case-related account control list. Once personal information is reported to the Ministry of Public Security system, a large amount of proof is required when appealing for removal, especially non-involvement proof documents, which public security agencies are usually reluctant to issue. Friends with such experiences can surely relate.
Case-related freezes only target bank cards associated with transactions related to the case, not the individual themselves. Unless the cardholder is involved in illegal activities such as money laundering, most cardholders in such cases have already been arrested, so the primary concern should be the risk of criminal prosecution.
For most individuals with case-related freezes, it is possible to open accounts normally. If the bank refuses to open an account, there may be other control issues, such as possible involvement in telecom fraud or being on a high-risk list at the same bank.
Protective payment stops are measures taken by public security agencies to protect potential victims, and generally, individuals on the stop list will not be subjected to account opening control. Therefore, one can open accounts normally during the protective stop period. However, since the account holder is already within the risk protection list, even if the account opening is successful, they should avoid engaging in excessive risky trading activities.
If you still want to transfer funds to other suspicious accounts, it is advisable to think calmly, pause, or even stop illegal trading activities; otherwise, the newly opened card will also be listed on the protective payment stop list and will stop payment simultaneously.
Bank risk control is also a factor that restricts account opening. Affected by the card-breaking policy, many of the bank's risk review measures are becoming increasingly strict.
Especially for account holders who have risk records at this bank, such as triggering anti-money laundering and gambling fraud risk control models, having rapid inflow and outflow of funds, frequent transactions, accounts without balances, frequent night transactions, and clear money laundering suspicions, the bank will not only intercept suspicious accounts through risk control but will also list the individual as high-risk.
High-risk individuals cannot open an account at this bank again within a short period and must wait several months until the high-risk assessment decreases before attempting again.
Overall, to ensure that bank card services, including account opening, account closing, non-counter banking services, and all payment account services can be processed normally, it is essential to standardize card usage and eliminate risky transactions, such as gambling, cryptocurrency trading, exploiting promotions, order brushing, money laundering, score running, part-time finance, informal online financial management, funds, futures, foreign exchange, etc.
Once a bank card is frozen due to a case, one should proactively contact the freezing agency to understand the details of the case and cooperate with the investigation, providing legal transaction evidence to expedite the unfreezing, to avoid triggering excessive related control factors.
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