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What is the situation that Beijing Rural Commercial Bank only accepts and does not pay?

It's frozen.

The probability of this happening is very low. In this case, you can take your ID card and bank card to the business hall to thaw. Bank cards are frozen for different reasons, and whether they will be automatically unfrozen depends on different reasons and different results.

Article 29 of the Supreme Court's Provisions on the Seizure, Seizure and Freezing of Property in Civil Execution of the Court stipulates that the time limit for the people's court to freeze the bank deposits and other funds of the person subjected to execution shall not exceed six months, the time limit for the seizure and seizure of movable property shall not exceed one year, and the time limit for the seizure, seizure of real estate and freezing of other property rights shall not exceed two years. Except as otherwise provided by laws and judicial interpretations. If the person subjected to execution applies for an extension of the time limit, the people's court shall go through the formalities of sealing up, distraining and freezing before the expiration of the time limit for sealing up, distraining and freezing, and the extension period shall not exceed half of the time limit specified in the preceding paragraph.