In recent years, many friends have had their bank cards frozen. Although the reasons vary, the common point is that there is a balance in the card. Whether it is payment for goods, mortgage or parents' pension money, it is suddenly frozen, and many people's work and life have been greatly impacted. Today, let's talk about how to solve the problem of frozen bank cards. Welcome to discuss it together.
1. Why are you frozen?
1. Involving "dirty money". Money from cyber crimes such as telecommunications fraud, online gambling, nude chat, money laundering, etc. flows into the card. Friends who do foreign trade business and digital currency transactions often encounter this. After all, many of the masterminds of cyber crimes are overseas.
2. Participate in online gambling. Even if you play once, your account will be easily frozen if there is a record of deposit and withdrawal.
3. The card is lent or sold. If you give your bank card (including online banking and mobile phone number) to someone else, it may be used by criminals to collect payments, withdraw cash or even launder money. Not only this card, but other cards opened in the same bank account may also be affected.
4. There is a problem with the virtual currency transaction. A black U is received or the payer's associated account is involved in black money.
2. Who can freeze the card?
1. Bank. Due to anti-money laundering requirements, banks sometimes freeze suspected money laundering accounts on their own. Don't panic, the bank has no right to transfer funds. Generally, the funds can be unfrozen if the situation is explained.
2. Judicial organs. The Supervisory Commission, the Procuratorate, the Court, and the Public Security Bureau have the right to freeze the accounts when handling cases, and the most common ones are the Public Security Bureau. According to the (Notice of the China Banking Regulatory Commission, the Supreme People's Procuratorate, the Ministry of Public Security, and the Ministry of Security on Issuing the Provisions on Banking Financial Institutions Assisting the People's Procuratorate, the Public Security Bureau, and the State Security Bureau in Inquiry and Freezing) (Yinjianfa [2014] No. 53), banks can be required to cooperate in freezing the accounts involved in the case.
3. Departments where public security authorities frequently freeze cards
1. Criminal police. When dealing with telecommunications fraud cases, they often freeze a large number of bank cards involved in the case. The freezing is large, the amount varies, the speed is fast, and the unfreezing is also fast. It will be automatically unfrozen in three days. Otherwise, it may be frozen for another six months because the funds will eventually flow to the card.
2. Economic investigation. When investigating economic crimes, especially money laundering cases, a large number of bank cards are involved, and the frozen amounts are large, mostly corporate accounts, which are often frozen for more than half a year and continuously.
3. Public security. In handling online gambling cases, the amount of money frozen in the accounts varies, mostly large funds and personal life accounts.
4. What to do after being frozen?
Don't panic, do two things: first, check the reason for the freeze, think about whether you have participated in online gambling or other illegal activities, and analyze whether there are any abnormalities in the bank card flow; second, go to the bank to check the case handling unit, find out which department froze it, the document number and the reason. After you are ready, there are these ways to unfreeze it:
1. Automatic unfreezing. Criminal police have emergency payment authority and freeze a wide range of cards when handling fraud cases. Most criminal police can unfreeze cards within three days without additional operations. If the cards are not unfrozen, the funds may eventually flow to the card and the card will be frozen for another six months.
2. Apply for unfreezing. If the card has been frozen for more than six months and the cardholder has not committed any crime, sort out the flow of funds in the card, mark suspicious funds, and make sure that the source of the funds is legal, then contact the case-handling unit to explain the situation. If you participate in online gambling, the gambling funds will be fined (funds withdrawn from gambling websites), and non-gambling funds can apply for unfreezing.
3. Appeal for unfreezing. If the case-handling unit does not cooperate with the unfreezing, you can compile written materials and apply to the procuratorate or the Supervisory Commission for supervision.
In addition, don't panic if bank card non-counter transactions are restricted, as it will not affect your credit. You just can't make online transactions, and social security, provident fund, counter deposits and withdrawals and other services are not affected. Ordinary customers can withdraw money to exchange for bank cards and open online banking; large bank customers can find a dedicated account manager or branch manager to solve the problem. If a bank card is protected, this is a protective measure to prevent being deceived again. Wait a month or go to the local anti-fraud center to explain clearly and provide evidence to unlock it.
If you need more information, please feel free to contact us.
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