How to solve the suspension of non-counter business of China Merchants Bank?

The transaction of China Merchants Bank is suspended abnormally, and it is cancelled outside the counter: I need to bring my ID card to the counter of the bank outlet for information update and certification before I can cancel it.

Some time ago, the "card-breaking action" caused many people's bank cards to be restricted from over-the-counter transactions or even directly blocked. If there is no abnormal transaction, you can apply to the bank outlet for lifting the restrictions on over-the-counter trading with valid identity documents. If you don't go, you will always be restricted from over-the-counter trading. Off-counter transactions generally refer to online banking and mobile banking.

bank card

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

Bank card classification:

1, debit card

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

2. Credit card

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Generally, over-the-counter transactions will be restricted in the following circumstances: the ID card expires, and the bank reserved information will not be updated after the replacement. For example, it is suspected that there is a large amount of money coming in and out, such as swiping bills and money laundering, and the banking system detects the risk of bank cards being stolen. The bank card account has not been traded for a long time. The above six situations are common, but it does not rule out that banks may "accidentally injure".

If you have a bank card, this will not happen. For example, if you often transfer large sums of money, it may be that the banking system has detected the risk of money laundering. However, if there is no illegal crime involved, you can go directly to the bank to lift this restriction. There are still many friends who like online shopping, so if online shopping often returns orders, it will also be restricted from over-the-counter transactions. In this case, if you want to lift the restrictions, you can only apply for lifting the non-counter restrictions at the bank outlets with valid certificates such as ID cards.