Bank card unfreezing: Looking forward to the dawn of standardization
In the wave of digitalization, many people have been involved in the gray transaction chain when network supervision was lax. They were deceived or accidentally scanned the code, and then they were involved in the gray industry. Many innocent players realized the seriousness of the situation when their bank cards were frozen and regretted it. After the national card-cutting and network-cleaning actions were launched, they decided to change their ways and isolate themselves from the gray industry.
For those who sincerely repent, after they reflect deeply and resolutely say goodbye, education, warnings, and orders to write a letter of guarantee can be imposed. Nowadays, big data monitoring is strict, and if you commit the same offense again, you will be severely punished, but if you sincerely correct it, you can accept the fine, and then the bank card should be unfrozen quickly. The funds in the card may be wages and savings. They did not realize the seriousness of the problem. They did not know that the supervision was stricter and the policy was clear, so they stopped, but they were still frozen due to cases in other places. In order to unfreeze their accounts, they inquired everywhere, searched online, communicated by phone, recorded their accounts in different places, and contacted the freezing units. Only they knew the hardships during this period, as if they were in a dilemma.
It is reasonable to be condemned by the soul for making mistakes, but the unfreezing procedure needs to be improved urgently. They traveled thousands of miles to cooperate with the investigation, confessed frankly, and sincerely repented. They should have a clear and efficient unfreezing process, rather than a long wait, confusion and helplessness, or even being defrauded by scammers.
Looking at bank risk control, taking ICBC as an example, the codes 93012587 and 93012588 are common. The former is automatically unfrozen in 72 hours, but the latter is easy to refreeze. 93012588 is difficult to handle, and the explanation at the counter is fruitless. If you don’t go to the counter, it will never be unblocked. Many people went to multiple banks to solve the problem at the bank where they opened the account, but they often had to withdraw cash to cancel the card, so they became high-risk users and it was difficult to use the card to apply for a new card. When asked about the deadline for lifting the high-risk label of the bank, the response was vague and there was no definite statement. It is also difficult to find answers online, which makes the people involved feel wronged. Although they know their mistakes and are willing to correct them, they continue to be in trouble.
In the information age, I hope that the bank card freezing agency and the bank risk control department will consider the public more and make the unfreezing process standardized, transparent and convenient, so that those who have made mistakes and repented can get out of trouble as soon as possible and return to normal life.
I am Audi. You can ask me if you have any questions. You can also contact me for withdrawals. After bank review, payment institutions will make loans with reserve funds, which are the safest funds in China.
