Many friends asked what they should do when the bank sent them a text message notifying them that their bank card was under risk control. Many people dare not handle it because they don’t know what unscrupulous things you have done that even the bank’s risk control department dare not handle it.

There are several situations for non-counter trading. You must first understand why you are being non-counter trading before you can have a solution.

Non-counter means suspension of non-counter transactions, which means that the bank's data model has discovered your abnormal behavior and it has been screened out by big data. They will not check you. China has 345426000000 billion bank card transactions a year, about one billion transactions a day. Banks have a very complex anti-money laundering algorithm, and hundreds of thousands of transactions may trigger the algorithm's alarm every day.

These hundreds of thousands of transactions will be reported, but most of them are just reported. It is impossible and unrealistic to check each one, and most of these hundreds of thousands of transactions are legal.

So, if you don’t know anything, do you think your information will be reported? Then what actions of yours will trigger the risk control of the bank system?

●Every day, dozens of people from all over the country transfer money to you, and after you receive it, you transfer it out again.

(Decentralized transfers triggered by payment cards, centralized transfers to control risk)

●You received a large remittance and transferred it to dozens of people in different parts of the country within a few minutes.

(Payment cards trigger centralized transfers in, decentralized transfers out risk control)

●You are afraid of the card being frozen, so you send a red envelope to test the card before every payment.

(A small amount is used to test risk control before triggering a large transaction)

●Recharge online gambling and purchase virtual currency.

(You will be warned if the other party's account is at risk of being involved in a case)

●Three days after receiving judicial stop payment of unknown funds

(Bank High Risk List)

●The competent authority has information on 5 cards in your name on the investigation platform.

(Listed on the bank's high-risk list)

● Frequent large-amount cash withdrawals (such as evening cash withdrawals)

●Frequent fast in and out.

。。。。。

All of the above behaviors can trigger bank card risk control and lead to direct non-counter transactions. Because bank staff are too busy to deal with the issues, they will directly put you under risk control and suspend non-counter transactions. So one day you find that you can’t make transactions with your card and you are at a loss. You search on Baidu and Zhihu, but all you see is that you can lift the risk control by taking your bank transaction records to the bank.

Is it true that non-counter credit card cannot be lifted? No, the purpose of non-counter credit card is to control your risk. As long as you can provide normal reasons to eliminate your suspicion and make the bank staff believe that you are a good person with a legitimate job, a good citizen with net assets, and believe that you are not doing bad things, then the risk control will be lifted naturally.

How to solve it? You need to prepare your materials.

The materials include a description of the situation (the most important). If you tell people once and they don't remember it, you have to tell them again when you change staff. The most efficient way is documentation.

You must have a formal job (your own business, individual business, etc.), home address, and identity information.

Make others believe that you are a good person, and you should explain your transaction details reasonably. Never lie. People have ten thousand ways to verify your real transaction details. Just tell them directly that you are trading in cryptocurrencies.

Is it illegal to speculate in cryptocurrencies?

It's not illegal, just watch carefully.

But when you receive a call from the bank, you get scared, wondering if you will be caught. You act timidly and look like someone who has done something bad. The bank looks at your temperament and assets to determine whether you are a rich or normal person.

So in many cases, if you are timid and don't have much money in your card, or if you have a lot of money, when you go to lift risk control, the bank staff will not process your withdrawals and other services, and they will tell you something like "the head office has total control over total management" and they will impatiently tell you to go to the anti-fraud center to get a stamp.

A bank is a commercial institution and it does not have the authority to freeze your bank card or prevent you from withdrawing money. There is a BUG here, a super big BUG. Bank staff have no right to view your transaction information without your authorization.

The balance on the customer card and the details of current transactions are at a privacy level and cannot be viewed by any person alone. If you need to view them, you must be authorized by a high-level person.

Therefore, when your card is abnormal, it must be the transaction abnormality, but the bank staff directly put you under risk control without doing due diligence. This procedure is wrong, and this is the first BUG.

Why does he dare to provide you with risk control? Because he has looked at your financial transactions privately. This is the second violation, the second BUG.

So, when he wants to deceive you or mess around, you have to fight back. How to fight back? You must first get evidence that he has privately checked your bank account. For example, when he is doing due diligence, he asks you about a certain amount of money. This can prove that he has privately checked your bank account.

But experienced bank staff will tell you this: come to the bank to get a bank statement and see if there is anything unusual. This is their way of cracking the problem. If you enter the password yourself and print the bank statement, it means you have authorized it.

So you need to use your wits and courage. I don't know if there is anything abnormal about my bank transactions, and you tell me if there is anything abnormal about my bank transactions. If he takes out the bank transaction slip and asks you to explain the transaction, then he is breaking the law.

Sometimes the vice president or risk control manager of a bank is very powerful. He may be unhappy with you and ignore you, and directly ask you to go to the anti-fraud center to get a stamp. Many people don’t understand and run to the anti-fraud center foolishly, but they can’t even get in the door because the anti-fraud center does not accept private business. This is the bank passing the buck.

The process for the Anti-Fraud Center to stamp the form is: you ask the bank to issue a "Fraud Risk Account Review Form". This is issued by the bank and must be issued to you, but it will not be given to you. Instead, the bank's anti-fraud staff will send it to the Anti-Fraud Center in a public-to-public manner or deliver it to your door.

The bank staff will take the form and take you to the uncle at the anti-fraud center. After checking your bank transactions and taking notes, the uncle will make a recommendation to lift the control or not, with a signature and seal.

The bank can lift the control on you with this stamped and approved "Fraud Risk Account Review Form". Therefore, the non-counter control is just because your bank card transactions are abnormal, or the card has been lifted after being frozen. If the bank gives you a non-counter control, it is easy to lift it.

The premise is that you really have no suspicion of illegal crimes, and the purchase and sale of virtual currency can also be cancelled. Just tell him the transaction flow and write a statement of the situation. This statement of the situation is very important. I have written a template here for friends who need it.
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