The postal currency card is frozen. How to unfreeze it?

1. To unfreeze, you need to go through the formalities in the business hall of the Postal Savings Bank;

2. You need to bring your ID card and bank card. Please note that you must go by yourself. This is something that no one else can handle for you.

Specifically, if the freeze is lifted, you only need to explain the situation to the bank staff and then do it according to their requirements.

Reasons for bank card being frozen:

1. 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 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 cause the bank card to freeze.

3. After the bank card is lost, you need to report the loss. After reporting the loss, the bank card is frozen and cannot be used.

4. Others maliciously operate, such as calling the bank to pretend to be the owner of the bank card and asking for a loss report when they know their bank card, ID number and other information.

If you don't apply for a new card when the bank card expires, the bank will freeze your expired bank card after it expires.

6. The bank card is a credit card (debit card). If it is frozen, it may be that the credit card has abnormal transactions, such as malicious cashing, forged information, etc., and the bank card may be frozen by the bank.

Extended data:

1. Relevant regulations on bank freezing deposits and freezing materials

According to the provisions of China's Civil Procedure Law, if the person subjected to execution refuses to perform the obligations stipulated in the court ruling, the court will have the right to freeze the deposits and materials held by his bank and notify the relevant banks or listed companies to assist in execution.

After bank deposits and money and materials are frozen, the person subjected to execution may not withdraw, use or transfer them before the freezing is lifted.

However, if the person subjected to execution automatically performs his obligations within the prescribed freezing period, the people's court may notify him to unfreeze, and his deposits and materials can still be used normally after unfreezing.

2. Application and loss reporting

The process of applying for a credit card and a debit card is different. When handling a credit card, you need to bring your valid certificate (ID card or a copy of ID card), residence certificate, unit income certificate or personal assets certificate, and go through the relevant formalities at the bank counter. You need to fill out an application form, in which the information requested is true.

After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials.

Handling debit cards is relatively simple. You just need to bring your own valid documents, mainly your ID card, fill out the application form at the bank where you open the account, and then you can issue the card to the applicant.

The reporting procedures of major banks are not exactly the same. If you lose it, you can report it temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report it.

3. Preventive measures

1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it for safety reasons and notify the bank immediately;

2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks;

It is best to store the bank card and ID card separately. Don't lend your bank card to others, and don't disclose your bank card number and password at will.

4. When spending by credit card, don't let the bank card leave your sight, pay attention to the number of times the cashier swipes the card, and when you get the shopping list and card, check whether the amount on the shopping list is correct and whether it is my card;

5. Open SMS service, keep abreast of account changes, and immediately call the bank to report the loss once abnormal transactions are found;

6. If you suspect that the funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in time.

Baidu Encyclopedia-Bank Frozen Deposit Frozen Materials

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