Have you ever encountered such a problem: just one bank card involved in a case gets frozen, and all bank cards under your name are unexpectedly suspended? What is going on here?
When a certain bank card is frozen due to involvement in a case, if the police determine that there is significant suspicion of that account being involved in a crime, the public security organs at the city level and above have the right to designate this frozen card as an involved account and upload relevant information to the Ministry of Public Security.
Subsequently, the public security organs will notify the People's Bank, thus all banks will be aware of the involved situation of your account, leading to control actions on the bank cards under your name.
Non-counter services will be suspended, and banks with strict risk controls may even set the card to be receive-only or not receive and not pay, meaning that even going to the counter will not allow for withdrawals; this is the root of a card being involved in a case affecting other bank cards.
Once an involved account appears, in addition to all cards under the owner's name being associated, the cardholder will also face many restrictions. For example, they cannot open new bank cards, cannot apply for loans, and cannot exit the country.
Many people are refused when applying for exit documents because their names are associated with certain criminal cases, especially telecom fraud cases. Even if they already have exit documents, they will still be questioned by police at various exit ports or airports about their reasons for leaving the country.
These restrictions are based on the Anti-Telecom Fraud Law, and anyone associated with the case, including those on the involved account list, will be suspected and controlled.
Generally speaking, the extreme impact of frozen cards is mostly caused by first-level cards being involved in cases, and some second-level cards may also show similar phenomena, depending on the account association status on the involved transaction chain. Once an involved account arises, it indicates that the situation is quite serious, and actively cooperating with the investigators is the best strategy.
The investigation by the freezing authority into the cardholder of the involved account is quite rigorous; even if the investigating police do not actively contact you, it does not mean that the involved account can be easily released.
If you continue to ignore the situation, be cautious of the investigation authority escalating their control and punitive measures against you, such as being placed on a sanction list. Once you enter the sanction list, subsequent appeal processing will be extremely difficult and lengthy.
You should organize complete evidence materials based on your own transaction situation, eliminate relevant risk factors, and proactively contact the investigating police officers to clearly explain the situation of involvement.
If the transaction reason does not indeed involve illegal criminal activities, the police will verify it, and for accounts that meet the unfreezing conditions, the investigating authority will adopt different unfreezing methods based on the specific circumstances of the case, such as early unfreezing, expiry unfreezing, or case closure unfreezing.
However, if it involves illegal criminal activities, after the criminal liability has been dealt with, the illegal transaction reasons of the bank card will not be recognized, and early unfreezing will be hopeless; specific cases still need detailed analysis and handling.
After the involved card is unfrozen, you need to appeal to the anti-fraud center at the account opening location to remove your name from the involved account list. The anti-fraud police will handle it based on your previous unfreezing situation.
If you have actively cooperated in the unfreezing process, the appeal for unfreezing will usually not encounter major obstacles; conversely, if the account is automatically unfrozen, the anti-fraud center will not easily remove you from the list of involved accounts, after all, they have no way of knowing whether you have cleared the suspicion of involvement.
Once you successfully pass the review for removal from the involved account list, all other abnormal bank cards under your name will return to normal, and the public security bureau will send a text message to your phone notifying you of the removal from the review list.
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