Summary of currency circle deposits and withdrawals, bank card freezing and unfreezing plans "Collection"
In recent years, the number of young people suspected of conspiracy crimes has continued to increase. Because of online gambling and currency speculation, the phenomenon of having their cards frozen has also occurred from time to time. There are also many people who have asked me about the issue of bank cards being frozen. Based on my previous 300+ bank card unfreezing experiences, I have summarized the following short article. Every word is an experience, I want to share it with you.
When your bank card is frozen, the first thing you need to do is to find out the reason for the freeze so that you can take appropriate measures.
There are several statuses of bank card being frozen:
Stop payment, only collect but not pay, do not collect but pay, and suspend non-counter payment.
If you encounter a payment stop or a collection-but-not-pay situation, it is usually an emergency payment stop carried out by the bank. Don’t worry, just wait for 3 days. Many will be automatically lifted within 3 days. Of course, if the same bank is not stopped for the first time Or if you just collect but don’t pay, you have to be careful.
If there is no collection or payment and over-the-counter business is suspended, it is recommended to go to the bank card account bank to learn the specific reasons for the freeze and the agency that submitted the freeze and risk control.
Common units that implement card freezing include: banks, public security, and courts.
A. If the banking system only controls your bank card, it is very likely that the abnormal transactions involved in the card disconnection operation involve your card. Please reflect on whether the recent bank card transactions are much larger than usual, with small amounts and multiple transactions. There are many transactions, and there are frequent transactions at night or even in the middle of the night. In these cases, the freeze will generally be lifted automatically after 3 or 7 days. If it is not unfrozen, I will bring my ID card and bank card to the bank to submit the relevant transaction certificates.
B. Judicial freeze by the police. It is very likely that the funds in your card are involved in a criminal case. Think back to yourself, have you ever lent or sold your card to others before? Others may have used your card to engage in criminal activities and collect illegal money. This situation is more difficult. If the circumstances are serious, you may even be charged with the crime of trust. If you do not handle it well, you may be put on the financial punishment list. The online use of all cards under your name will be restricted for 5 years, and you will not be allowed to open new cards. .
C. Freeze by the court.
Generally occurs in civil disputes or criminal cases involving property penalties. The local enforcement bureau will freeze the property and funds in the name of the person subject to execution.In this case, just communicate and negotiate with the person who sued you, and you can reconcile.
Then, now that you have figured out the reasons and ins and outs of freezing the card, what should you do next?
The following focuses on how to respond if you learn that you have been subject to financial punishment (all cards under your name have been frozen, you cannot open new cards, and you have been included in the first-level blacklist by the police), as well as how to apply for the lifting of financial punishment. A whole process. As long as you understand this process, you can easily solve other frozen card situations.
The following are all words of experience and are highly practical.
The process of unfreezing cards and financial penalties is actually a process of kicking the ball between several institutions.
The first step is to go to the bank account opening branch to unfreeze the card as soon as possible (if possible, you must go to the account opening bank branch, other branches may not be able to solve the problem) because the card is likely to be involved in the case, and you can check the situation and involvement in the case by going to the account opening bank Contact information for local police.
The second step is to contact the police involved in the case in another place and provide evidence to prove that you have not participated in illegal activities. At this time, the off-site GA will ask you to bring relevant evidence (including but not limited to bank statements, chat records, purchase receipts, customer transfer receipts, etc.) to make notes.
In the third step, after GA collects the information, it will be handed over to the anti-fraud center of the account opening bank. At this time, you have to go to the FZ center of the account opening bank to make notes again. FZ's service efficiency is generally relatively high, and it will take a few days to pass the review. You need to go back to the bank where you opened your account to reconfirm the operation of removing the list.
At this point, has the problem been solved? The reality is that this may not be the case.
GA has put you on the first-level blacklist of accounts involved in the case. This record can be seen not only in the account-opening bank, but also in the entire PBOC system. If the account-opening bank is not enough to lift the restrictions for you, other banks will still reject you.
Step 4: Contact the remote GA again to explain the situation. If you cooperate in providing information, GA will hand over the materials to the Municipal People's Bank of China, which will release the control. If the city bank has agreed to lift the control and you still can't use the card, go to the FZ center. Maybe FZ didn't handle it in time.
Step five, this step is also critical. Just because the card is unfrozen and can be used normally does not mean that you can rest easy.At this time, you have to go back to the bank where you opened your account and ask them to completely remove the records from the list involved. This will ensure that no trace of your involvement in the case and risk control can be found within the bank or in the credit report. It will no longer affect future business such as credit cards, loans, mortgages, cars and houses.
In fact, the whole process is: the bank where the account is opened - the remote GA - the FZ center - the municipal bank, going back and forth between these units. You may encounter some special situations that cannot be solved during the processing, so you can communicate with me.
There are many friends who play coins in the currency circle. I would like to remind you that the risk of withdrawing coins and freezing the card is very high. How to deal with it calmly requires certain practical experience. Being profitable by playing coins is not really making money. It is in your pocket in the end. Consider it a real victory.
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