How long does it take for abnormal bank card transactions to be frozen?

If the abnormal transaction on your bank card is frozen, you only need to reply to the bank's abnormal transaction reminder text message, or call the card issuer to explain the reason for the abnormal transaction to unfreeze it. If the cardholder does not perform any operations, the bank card will automatically unfreeze standby and ordinary transactions in a secure transaction environment or ordinary equipment. Abnormal bank card transactions are generally caused by cardholders conducting transactions in unfamiliar environments and infrequently used devices - under normal circumstances, the card issuer will send abnormal transaction reminders to the cardholders, and the cardholders will follow the SMS prompts After replying, the bank card can be unfrozen.

1. Reasons for freezing bank account funds:

1. The cardholder has set up pre-authorization. Cardholders can wait for the cashier to cancel proactively during checkout, or they can cancel automatically after expiration.

2. After subscribing for financial products, the funds will be frozen and deducted on the date of establishment of the product.

3. For self-service device transfers, the bank will first freeze the funds and handle the transfer transaction within 24 hours after acceptance.

Second, solutions to frozen bank cards:

1. Wait

Public security agencies generally freeze cards for half a year, and there are a large number of police officers handling the case. The police force is insufficient. Unless you are suspected of committing a crime and are a criminal suspect, the public security agency will not contact you after freezing your card. If you find yourself frozen, you can wait three days. The public security organs will proactively review your relationship with the criminal funds within the first three days after freezing the funds (the public security organs in some areas will stipulate one week). If there are no problems after review, the public security organs will freeze the case for half a year, and a few public security organs will freeze the case for one year (such as Beijing). You can continue to wait for the card freeze cycle. After the expiration of the period, if the case is solved and it is found that it has nothing to do with you, it will be unfrozen. The probability of automatic unfreezing is also about 1%. If the case is not solved, it is likely to be frozen again. Most of the criminals involved in telecommunications fraud, online gambling or money laundering gangs are abroad. It is very difficult for the public security organs to investigate, and many cases may not be solved.

It should be noted that our country’s laws stipulate that the public security organs can freeze citizens’ bank accounts due to the need to handle cases, and they can be renewed upon expiration, but there is no specific stipulation on the number of renewals by the public security organs. Agency means that if the case is not solved or for other reasons, the public security agency can update the bank account indefinitely. Some time ago, one of our clients named Cao contacted us after his account had been frozen for seven years.

2. Actively cooperate with the public security agency

If the freeze has not been thawed after three days, you can choose to actively cooperate with the public security agency: contact the public security agency handling the case and bring your identity documents, Relevant transaction records, transaction contracts, etc., go to the local area to explain the situation in detail. But the first problem with this method is that you may not be able to contact the public security agency that freezes the account, and banks generally do not provide information about the freezing agency. Even if there is one, it's probably a reception room for frozen organs. If the public security organs investigate and deal with such economic cases, the number of cards frozen at one time may be hundreds or thousands, and they will receive dozens of inquiry calls every day, which will be difficult to get through. Even if you get through, you may still get a very model reply: 1). You are suspected of XX crime, bring relevant materials to us to take notes; 2). When we are hearing the case, we will unfreeze it for you after the case is resolved.