What if the bank card is frozen by the police?

First, bank cards are frozen by public security organs, often for the following three reasons.

(1) The bank card and the funds in it are related to criminals.

In the process of investigating cases, public security organs often seal up, detain and freeze all the money and stolen goods involved. Real estate, cars, bank cards, stocks, securities, equity and all other property. The name of the criminal suspect will be sealed up, detained and frozen in part or in whole, which is convenient for finding out the facts of the case and executing penalties such as fines and confiscation of property.

In addition, the public security organs will also seal up, detain and freeze some or all of the properties such as real estate, cars, bank cards, stocks, securities and equity under the names of these suspects' close relatives according to the circumstances of the case, so as to prevent the suspects and their close relatives from transferring their properties.

(2) The bank card and the funds in the card are related to the public security investigation of criminal cases.

1, four main situations in which the card owner is frozen

(1) The cardholder's bank card has conducted online gambling or purchased illegal online lottery tickets.

Nowadays, many people will enter various illegal gambling sites, lottery websites or download apps to gamble or buy illegal lottery tickets through mobile phone WeChat in their spare time, thinking that this may be just an entertainment activity. However, because online gambling platforms often use bank accounts of money laundering gangs to cancel accounts, it is easy to cause bank cards to be frozen.

(2) Cardholders engage in virtual currency/blockchain transactions and conduct investment activities.

If you often engage in virtual currency, the frozen bank card is easy to receive the bank funds transferred by the illegal and criminal team, and it is also easy to be frozen by the public security.

(3) The cardholder receives remittance from other strange third parties in foreign trade, or actively exchanges foreign exchange.

In this case, the frozen bank card often did not participate in or engage in any illegal and criminal activities, never engaged in illegal activities such as online gambling, buying lottery tickets, and did not participate in criminal activities such as telecom fraud, but was frozen by the public security organs.

Then, you need to carefully check all the recent bank transactions, especially the deposits. It is very likely that the funds transfer of suspects or platforms suspected of fraud, gambling, money laundering and other crimes caused the freezing measures of public security organs.

(4) The cardholder receives normal funds, but it is affected because the remitter's bank card is frozen.

If the card owner is not involved in any illegal crime, he will also receive normal remittance, but if the bank card of the last remitter is suspected of being frozen in a criminal case, it may also lead to the freezing of his bank card.

2. The main types of cases of freezing cards by public security organs.

(1) The case of opening a casino is to investigate and deal with illegal and criminal activities of online gambling.

(2) Fraud cases, that is, specialized in investigating telecom fraud and online fraud criminal activities.

(3) Cases of "breaking cards" (buying and selling cards) or money laundering, such as crimes of helping information network criminal activities, concealing and concealing crimes, crimes of illegal business operation, crimes of obstructing credit card management, crimes of stealing, buying, illegally providing credit card information, crimes of illegally using information network, crimes of infringing citizens' personal information, etc.

When investigating the above-mentioned suspected criminal cases, public security organs often find that many bank cards are specially used to collect or transfer funds from fraud/online gambling/other criminal activities. Therefore, the public security organ will freeze all the bank card funds involved after filing a case for investigation to avoid the transfer of funds. For example, in fraud cases, on the one hand, it can not only prove the criminal facts of fraud suspects, but also facilitate the determination of the amount of fraud crimes, which is conducive to the conviction and sentencing of criminal suspects; On the other hand, the stolen money will be frozen at the first time to prevent it from being transferred by criminal suspects and their close relatives, resulting in the risk that it will not be recovered in the future.

The public security organ will start the inquiry from the account directly remitted by the victim as the source. As long as it is a related account diverted here, it will face the risk of freezing. Generally, it will be frozen to the fourth-level account in circulation, but some will be frozen to the seventh or eighth level (the smaller the level, the smaller the risk), so your account may face the same situation but be frozen by the public security bureau in different places.

Take a fraud case as an example: after the victim was cheated, he reported the case to the police, and the police frozen all the bank accounts through which the victim's money passed. For example, the victim's money was transferred to bank account A, to bank account B, to bank account C, and later extended to D, E and F; Then it is possible that A, B, C, D, E and F are all frozen, and B, C, D, E and F may not know the source of this fund.

Therefore, if your bank card is frozen by the public security organ, it means that the public security organ thinks that your bank card is used for illegal and criminal activities, and the funds in the card are related to illegal and criminal activities.

Nowadays, bank cards are often frozen in this way, which is related to criminal cases investigated by public security organs.

(3) The public security organ "made a mistake" and thought that your bank card was related to crime.

If you are honest, your close relatives are not suspected of committing a crime and have not been put on file for investigation by the public security organs. Your bank card has always been for your own use, legal and compliant, and has never violated the law. At this time, it has been frozen by the public security organs. Then, it is likely that the public security organ "made a mistake" and thought that your bank card was related to illegal and criminal acts, so it took freezing measures, but this situation is very rare.

Two, if the bank card is frozen by the public security organs, according to the following six steps.

The bank card was frozen by the public security organ. Generally speaking, you will not be frozen immediately after receiving the funds in question. You may be frozen because of the abnormal inflow of trading funds 1 month or a year ago. Most of the telecom fraud cases were frozen because of a transaction a few days ago.

Most judicial freezes are only temporary. After investigation and verification by the criminal investigation agency, it has nothing to do with the suspected money laundering case, and it will be automatically thawed within two or three working days. This kind does not need to be taken care of, and it will automatically thaw when it expires. In addition, these 48 or 72 hours will not be thawed on time, and some will be delayed for a while.

If you find that your bank card has not been unfrozen after three working days, it is still in a frozen state, and a large amount of funds in the card cannot be used normally, which seriously affects daily production and life. Then, you can take the following measures:

1, first check to determine whether you belong to the above situation.

Generally speaking, the probability that public security organs mistakenly seal citizens' bank cards is very small. If it is found that the bank card has been frozen, it is necessary to check whether it has participated in or passively participated in some illegal and criminal activities, and to conduct self-examination first.

2. Telephone, WeChat and other contact information, notify the cooperative customers or relatives and friends to stop remittance to the account as soon as possible.

After the bank card is frozen, the card will only be accepted and not paid. If more money is remitted to your bank account, more funds will be frozen. Therefore, it is necessary to inform the cooperative customers or relatives and friends to stop remittance to the account as soon as possible.

3. Details of freezing the frozen bank.

At this time, you need to freeze the bank immediately to implement specific freezing information. It is best to apply for the freezing bank to print the register of freezing deduction to assist the agency in order to fully understand the freezing information.

If the bank refuses to provide the information sheet, it can verbally ask the bank for details such as freezing time, freezing period, freezing authority, freezing police officer, contact telephone number, freezing number and freezing reason.

4. According to the case, consider contacting the public security organ as appropriate.

If, according to the implementation of the investigation, you and your relatives and friends are not involved in illegal and criminal activities, you can try to contact the case-handling organ to understand the reasons for freezing and communicate the solutions so as to unfreeze the bank card as soon as possible.

When contacting the public security organ, it may happen that the telephone provided by the bank or the telephone found on the Internet cannot be connected, because the public security organ may freeze thousands of bank accounts according to the case, involving a large number of people and a wide geographical area, and often going out to handle cases, so it is impossible to sit in the office and answer every call in real time. Therefore, according to your own situation, you can consider going directly to the case-handling organ or entrusting a lawyer to handle it on your behalf.

5, according to the requirements, cooperate with the public security to provide materials and handle as required.

After the public security organs communicate with the case-handling organs and agents, they will ask you to provide materials and communication according to the situation of the case, and you can cooperate according to your own situation. At the same time, most public security organs will ask me to make a written communication in the past, and I need to evaluate whether to go to the office immediately according to the actual situation.

If it can't cooperate, the public security organ may propose to wait until the case is investigated or reported to the procuratorate or the court for trial.

6. Consultation, entrusted by a professional lawyer.

As mentioned above, if your bank card is frozen because you or your relatives and friends are suspected of breaking the law, I suggest you consult a professional lawyer for analysis and handling.

If you can't provide the materials required by the public security organ or the cooperation plan is beyond the tolerance range, you can entrust a lawyer to handle it according to law, and protect your legitimate rights and interests when unfreezing the bank card to the maximum extent.