1. Causes and consequences of frozen cards

2. Basic situation of freezing

3. How to deal with it after freezing

4. Sharing of unfrozen cases

1. Causes and consequences of frozen cards

In 2020, in order to combat cyber crimes such as online gambling and telecommunications fraud, and to eliminate ways for criminals to launder funds, the state launched the "Network Cleanup Operation" and the subsequent "Card Disconnection Operation" to crack down on the buying, selling, lending, and lending of phone cards and bank cards. and other illegal and criminal acts. For a time, many netizens and search platforms appeared "Bank card frozen?" "Bank card frozen for half a year?" "Bank card frozen by police in another place?" "Only players who have their bank card frozen for online gambling will be fined." Are you caught?" Many messages such as "Why was my semen frozen on the exchange?" have dazzled many frozen netizens. They don't know how to deal with this situation? Feeling anxious or having trouble sleeping or eating. The natural properties of blockchain virtual currency have also been used by criminals as an important way to launder money, which has indirectly caused the currency circle to become the hardest hit area after online gambling. As of today, high-pressure policies at the policy level are still severe. Many online gamblers have completely quit online gambling since their cards were frozen, which shows that the correctness of the online clean-up and card-breaking actions is unquestionable and has protected the legitimate assets of many ordinary people.

2. Basic situation of freezing

Bank card freezing can be roughly divided into two situations, one for 3 days and the other for 6 months. Within 3 days, whether you have 48 hours or 12 hours, it will be counted as 3 days. The bank has clearly informed you that you don’t need to do anything to unblock it within 3 days. You can wait with peace of mind. The unblocking time of each bank is different. For example, China Construction Bank, the bank informed that the unblocking time on the 12th is usually one day later than expected on the 13th. There is also the Agricultural Bank of China. The unblocking time will be unblocked after 22:30 on the day of unblocking. There are many banks that do not Give examples one by one, just wait for the corresponding time.

When you are frozen for 3 days, you are more worried about another issue, whether it will be renewed. The simplest way is to ask the bank for the unblocking date on the day the bank informs you of the unblocking date. If the bank informs you that the unblocking time has not changed, that is It has not been extended, so you can just wait and see! For example, if your bank card is frozen on the 4th, and you contact the bank to tell them that it will be unblocked on the 6th, if you are worried about the freeze being renewed at this time, go to the bank during the day on the 6th to ask about the unblocking time or call customer service in the early morning on the 6th. , the bank's reply to you is still on the 6th, which means that you have not been extended the freeze and just wait calmly.

There is also a situation where the first time I went to the bank I was told that it would take 3 days, and then after 3 days I went to the bank again and was frozen by another police officer. This is a situation where multiple police officers freeze because several of your money has been screened. , or a sum of money is frozen by multiple police officers. Unfreezing by multiple police officers is more troublesome than freezing by one police officer. Each police officer must unblock it for you. If one police officer suddenly freezes it for you for 6 months, you Please read later about the 6-month freezing method. This is about the 3-day freeze group. In fact, the 3-day freeze is more of a psychological torture, anxiety, and helplessness. It will happen to anyone who has it for the first time. I have encountered a fund that was stolen from more than a dozen places. The police froze them all at the same time. I really don’t know what they were doing...

In addition to the two time points of 3 days and 6 months, there is also a more unclear time point. Just ask the bank, and the bank told me that there is no time. The system does not show the time. It is frozen by a certain public security or judicial department. Generally, about 80% of this group will be unblocked in 3 days. According to the data I have contacted, if What will happen if the lockdown is not lifted for 3 days? Just continue to wait. If you wait for more than a week and the blockade has not been lifted, there is no need to doubt it. Basically, it can be concluded that it is a group of 6 months. Why wait for a week? This involves the time of the bank to unblock. Some banks will be 1-2 days late. , sometimes system delays are possible, but if it is not unblocked for more than a week, it is basically 6 months!

First of all, all friends who have been frozen for 6 months must be clear about one thing. Banks may trigger system risk control due to fast in and out of funds, one in and multiple out, multiple in and one out, etc., causing non-counterfeiting or emergency stop. Pay and wait for 3 days, but the public security freeze must be because your account is or has received black money from the exchange's C2C counterparty. The public security will not freeze the card for no reason. There must be a victim who has called the police. The public security will Cards are frozen based on the direction of funds. In some cases, it is normal for thousands or tens of thousands of cards to be frozen.

People who have been frozen for 6 months all want to know what the situation will be like after half a year. Will it be extended or will it be automatically unblocked? No one here can give you an accurate answer. There are too many levels, key points, and too many factors involved. Different places, different case managers, how many lots of funds are received, etc. will affect the direction of the card. Different processing methods will have different results. In fact, the luck factor after being frozen is also very important.

3. How to deal with it after freezing

After being frozen, many currency friends will ask me whether they should go to the freezing unit to unfreeze, because many people are afraid of being detained in the past and affecting their normal life. My point of view is that you should go if you have a clear conscience, and you should go if you have a guilty conscience. The best policy is to confess and seek leniency from the police and actively contact the police to deal with it. It is a blessing, not a curse. You cannot avoid it, and avoiding it will not solve any problem.

In many normal situations, it is normal to make a note, truthfully explain your situation, and then go home and wait for news. No one I know from anyone has said that they have been detained. After all, there are too many frozen groups. My understanding can only be part of it. I can only write down the data I know. Very few people have been summoned! For example, some time ago, Weibo blogger Qing Tian went to Thaw and was detained for 37 days. He was more likely to blindly believe in bulk business and was tricked by a certain bulk business. I don’t know the specific situation. After all, this kind of situation is in the minority. The difference between bulk merchants and ordinary merchants It’s the difference between a deposit of 100,000 U and a deposit of 10,000 U. You can apply if you have money, but it doesn’t mean that you understand the essence of OTC if you apply for a large amount. It can only be said that the OTC industry is very deep, and it is fate to meet a long-term reliable and safe U business. It's also luck.

After discovering the freeze, call the bank customer service as soon as possible to ask about the situation, freezing time, freezing unit, freezing unit contact information, and reason for freezing. Some banks cannot ask questions by phone, so go to the counter to ask. If there is no contact information, just tell Call 110 or 114 to check the phone number of your local public security agency. If it takes 3 days, just wait. Normally, after being frozen for 6 months, you must actively contact the freezing unit to inquire about the situation, answer questions truthfully, and prepare materials. : Transactions for more than half a year, transaction records on the chain, chat records on the trading platform window, KYC measures you took during the transaction, horizontal comparison of transaction prices, number of transactions with the counterparty, personal income certificate or other information in the card Source of funds, etc. The materials are delivered by express delivery, and all that's left is waiting. Some can be unfrozen after submitting the materials, some can be unfrozen until expiration, and some will be extended after expiration.

After contacting the police handling the case of your card, there are generally two possibilities. The first one requires you to bring your ID card and bank statements. This is the most proactive way to deal with it. Usually, you will make a written inquiry. Please provide your specific situation and personal information, and the entire matter can be processed in one day. The second option is that due to the recent epidemic, it is inconvenient for me to send bank statements to them. The other option is to transfer this matter to the local police. After the local police complete the transcript, they will pass your information to the police in another place.

Some people did not take the initiative to contact the police but were contacted by the police and strongly requested to go and take notes. Can I go? There is no fixed answer to this question. There will be many situations after the freeze: in the past, the person may have been sent thousands of miles away, directly detained, or the 37-pack package was arranged. In the past, the freeze was unfrozen after the transcripts were made, and the funds required to compensate the victim were unfrozen. Some people were afraid that they would not be able to go through for various reasons. Maybe it would be fine, and they would either unfreeze or renew the freeze when it expired; some people would not go over and give it to you. They were listed as online escapees, and some were frozen and suddenly were taken away from their homes without taking the initiative to contact them. Again, different freezes, different case managers, different regions, and different treatment methods will have different results. If the police take the initiative to contact you, such as sending you a letter of inquiry, just cooperate actively. If you are used by criminals for telecommunications fraud and money laundering because you sold bank cards, mobile phone cards, etc., then you are suspected of helping the information If you violate the criminal law and you will be jailed for cyber criminal activities, try to deal with it as much as possible, have a good attitude, plead guilty and accept punishment, you may be given a lighter sentence, such as a reprimand, etc., but you will not be jailed. Of course, if you commit a crime yourself, you are suspected of opening a bank or acting as an agent. , running scores, selling cards, etc. You must know that the police are not just for free. In fact, they know every transaction of yours. If the police take the initiative to contact you, you still have to actively cooperate and explain the situation truthfully.

I would like to add a few points: under what circumstances can I go and under what circumstances can I not go? The most important thing of all is money! It doesn't matter whether the money is important to you. Some people have hundreds or thousands of dollars frozen. The round-trip fare to the police in another place may cost a lot of money. The experience you pay is not worth it. Because when a bank card is frozen, it rarely happens except that your money cannot be used. Some people are worried about their bank’s credit report, whether they will have a criminal record in their future work, etc. There are very few other things that I know of that happen, it's just a simple freeze on your bank card. However, if your card is not only frozen but also listed on the anti-fraud center’s list of “two card” disciplinary personnel, you should find out from the relevant departments as soon as possible whether you are involved in relevant criminal cases. If there is no such situation, submit an application to request cancellation. , this point should be paid attention to. It is classified as telecommunications fraud, personal credit is blacklisted, and it is a dishonest person, which will affect travel, etc. If your ID card cannot handle business, you will be restricted from high consumption, and you will not be able to take high-speed trains or airplanes; you will not be able to handle all telecommunications services, including mobile phone numbers, broadband, etc. At the same time, you will also be included in the credit system, which will affect your future home purchase loans. and credit card processing, and may not be able to handle related services of other operators.

In addition, it is recommended to cancel all frozen cards after they are unfrozen, so as not to add a lot of unnecessary trouble in the future. Many people think that it will be fine after being frozen. It is not a big deal if you continue to use the card, but as long as the previous transactions of your card are traced Yes, the starting time is 6 months and there is also the risk of being frozen by the bank. I have emphasized this to many people. Many people find it troublesome and do not want to go to the bank to cancel. If they are traced later, they will be frozen for another 6 months. You There is no chance to log out.

4. Sharing of unfrozen cases

(1) This frozen friend used to withdraw 90,000 yuan of semen on a certain platform. When he was waiting to use the money, he found that his withdrawal card and bank card were frozen. He had no experience and was introduced to me by a group friend to ask me how to deal with it. The situation was probably passed. The exchange made a C2C payment of 90,000 yuan. The other merchant also remitted money under his real name. The price was also the normal price of the platform, but it was frozen. You can call Bank of Communications’ customer service phone to ask for some frozen information. The contact was from Zaozhuang, Shandong. Tell the truth. After learning about his situation, the policeman was very nice and said that a previous sum of more than 100,000 yuan was involved in the case. He did not give any other details and asked him to cooperate with the investigation. Only then did the customer realize that there was a problem with the last payment of more than 100,000 yuan, not the last payment of 90,000 yuan that caused the card to be frozen. The client was about to go there. I suggested that he get in touch with the police based on my experience, saying that the epidemic was serious and needed for work, and he hoped to express the materials first. Unexpectedly, the police actually agreed. Why did I suggest this? It was because of the citizens The police will tell you some information on the phone. If it is very serious, the police will not give you any information related to the case. They are as smart as me! ! The frozen friend prepared the materials according to my suggestion and sent them to the police for express delivery. Three days after receiving the express delivery, the frozen friend happily contacted me and told me that it had been defrosted. This speed was really beyond my expectation. Let me summarize three points for him: First, he sells his products through a formal large platform, and he also collects and pays under his real name. Secondly, if he was lucky, the amount he received should not be the same as the previous ones. Of course, this is a guess based on experience. The third and most important point is that I met a good policeman, a policeman who actually does practical things for ordinary people. Because Feng's friend's family is really in trouble (his father has lung cancer, the surgery certificate, case, etc. are attached to the material), he got the help of the policeman. Gay righteous care.

(2) This frozen friend’s card was frozen by the Agricultural Bank of China. There was only a few dozen yuan in the card. He also contacted me for consultation. The Agricultural Bank of China couldn’t get any information on the phone, so he went to the counter to check. It was half a year ago, and the bank did not contact the freezing unit. The method only shows that the Shenzhen Economic Investigation Bureau has frozen funds, which should be funds involved in telecommunications fraud. Baidu called many people and finally contacted the freezing unit. After explaining the situation, the police recorded the name, phone number, bank card number and other information, saying that thousands of cards had been frozen. , and asked them to contact the police. Friend Dong asked me what to do next. I said I didn’t have much money, so I took the initiative to contact you and asked you to wait. But I never contacted this friend, and I forgot about it. Half a year later My frozen friend contacted me again to renew my freeze. What should I do? I said I haven’t contacted you yet? Answer: No. I said there was no money in it, and you had contacted him before. Please wait for half a year. I told him that someone had frozen and renewed the freeze three times in a row, and there was nothing anyone could do about it.

(3) This frozen friend was frozen by a bank in a certain city (those who ask me if there is any difference in bank cards, please read here. The police of small banks can also freeze them with one click). I won’t go into the old tricks. The difference between this frozen friend He was waiting for the money in the card to be used. I suggested that he make a record. Friend Dong had no choice but to come to the city with a bumpy heart. He waited at the door early the next day and waited for about an hour after work. We were arranged in a small room. From what he described, it was not an interrogation room. It was almost noon when I finished the transcript and came out. I only emphasized answering the questions truthfully and reading the transcript clearly before signing. What the police meant was that the victim's funds were transferred to his card. The victim was an elderly aunt who had cried many times. If she wanted to unfreeze the money she had defrauded, first return the money to her and the rest would be unfrozen. Friend Dong said that I was innocent and my financial situation was not good, so I was unwilling. The police asked Friend Dong to think about it carefully, and Friend Dong returned in the afternoon. Friend Dong said that the card has more than 30W, so he really doesn’t want to pay 12W, so forget it if it’s 1W2W. I said just wait and see what happens after the expiry date. Half a year later, my frozen friend contacted me very happily. He had already withdrawn money and closed his account before the freeze was renewed. This friend Dong was also very lucky. Maybe the police found someone who had been there before him, or maybe they caught the fraudster, etc. I don't know the specific situation.

There are too many cases of freezing. I can only mention a few common ones for your reference. I also hope that freezing friends can control them from the source and understand how to deal with them after freezing. It is better not to freeze.