Bank cards are frequently frozen due to transactions, please unlock them quickly.

The on-site staff explained that half of the people who handled the business in the bank in recent days were unlocked because the bank card was frozen. Because the public security department is doing relevant risk verification recently, banks are required to check all accounts and freeze bank cards if they think the funds are risky. Since May, more people have come to the bank to unlock it.

Some accounts are frozen due to low traffic or frequent transactions.

Not long ago, Chen Yuan, who works in Shenzhen, heard that many people's ICBC cards have been frozen recently, so she tried it curiously. Unexpectedly, her ICBC card was "stuck".

Liang Ting, who was in Shenzhen, received a short message and realized that her ICBC card had been frozen. "The text message said that the bank card could not be transferred externally, and then I found that the payment function could not be used." She made sure that she didn't enter the wrong password and used it normally, but the bank card was frozen for no reason. The reason given by the bank is the influence of frequent transfers or large transactions.

Liang Ting said that some friends around him had encountered similar situations. "After the ICBC card was frozen, some people didn't have a fixed job, and they couldn't solve it after running the bank several times."

It may be downgraded to a second-class card after unlocking.

However, although the ICBC card has been unlocked, Liang Ting found that her bank card has been downgraded to a second-class card with a daily transaction limit of 5,000 yuan. "Bank staff have a special explanation. It is best not to exceed the daily limit. Otherwise, the bank will wonder if the money in Cary has been stolen and will be frozen. "

Previously, many people were borrowed and used identity information without knowing it, which caused immeasurable losses to society. On June 5438+ 10, 2020, the state launched a special campaign to crack down on the "broken card" of bank cards, and attacked and cut off the black industrial chain of trading accounts from the source.

Relatively speaking, the first type of account is fully functional, and it can deposit, purchase wealth management products, withdraw cash, transfer money, spend money and pay fees, while the second type of account has some restrictions, including transaction limits.

"There are no restrictions on the bank card itself, but there are restrictions on the channels of transfer." As for the transaction limit of similar cards, ICBC customer service explained, "For example, transactions through transfer channels such as WeChat, Alipay and mobile banking are limited. Because everyone's situation is different, it depends on the user's own usage to set the limit. "

Regarding whether the bank card will be frozen again after unlocking, ICBC customer service said that "as long as the bank card is used according to the standard process, there will be no restrictions here".

Liang Ting said frankly that if you can apply for more than one bank card in the future, you should be prepared as much as possible. "Otherwise, if this bank card is locked again one day, there is really no way to spend it. Still put some money in the WeChat change. "

(At the request of the interviewee, Chen Yuan and Liang Ting are pseudonyms. )

Related Q&A: How long does it take to unfreeze frequently transferred bank cards? Usually it can be thawed within 24 hours. It should be noted that if the bank thinks that the cardholder is suspected of money laundering. Generally, banks will take the initiative to contact cardholders, and cardholders can call bank customer service to explain the reasons and apply for thawing. If the circumstances are serious, the cardholder must unfreeze at the bank outlet with valid identification such as transaction contract and invoice and reliable reasons for fund transaction. The bank card may be frozen under the following circumstances: 1. If the balance is less than 100 yuan, the bank card will be frozen due to long-term non-use. For example, CCB stipulates that if the bank card balance is less than 100 yuan, it will be frozen after three years, and if it is not thawed within one year after freezing, the bank card will be cancelled one year after freezing, that is, it will never be used. 2. Incorrect password input for three consecutive times at ATM or telephone banking will also lead to bank card freezing; Bank card loss reporting needs to be handled. After reporting the loss, the bank card is frozen and cannot be used. 3. There are other reasons, for example, the arrears have not been frozen by the court. : WeChat transfers are frequently frozen and will be automatically unfrozen after 24 hours. If the balance is less than 100 yuan, the bank card will be frozen if it is not used for a long time. For example, CCB stipulates that if the bank card balance continues to be lower than 100 yuan, it will be frozen after three years. If it is not thawed within one year after freezing, the bank card will be cancelled one year after freezing, that is, it will never be used; Incorrect password entry for three consecutive times in ATM or telephone banking will also lead to bank card freezing; If the bank card is lost, you need to report the loss. After reporting the loss, the bank card is frozen and cannot be used. There are also malicious operations, such as calling the bank to pretend to be the owner of the bank card and asking for a loss report when you know your bank card, ID number and other information. This will also be frozen; There are other reasons, such as the arrears have not been frozen by the court. Unfreeze the bank card; To lift the freeze, you need to go through the formalities in the bank business hall of the bank card opening bank; You need to bring your ID card and bank card. Of course, if you lose your bank card, you just need to get your ID card.