How to cancel bank card payment?

1. Under normal circumstances, the bank card will be cancelled within three working days after the banking system stops paying, and then it will be cancelled automatically. If it is not terminated after three working days, you need to contact the bank customer service staff in time to terminate it. Real-time online monitoring of bank card transactions, and early warning rules are set according to the dimensions of customers, merchants and transaction channels. Once the customer's bank card is found to have an abnormal transaction that touches the "monitoring rules". Immediately issue early warning tips, conduct risk investigation, take measures such as stopping payment for risky bank cards, and automatically identify and intercept fraudulent transactions. This is equivalent to setting an "alarm" for the banking system. For example, abnormal transactions such as a bank card spending in multiple locations, spending on multiple websites, and cashing in the same amount will be warned by the system.

2. The bank card is stopped by the banking system as follows:

The emergency fund disposal desk is operated by the gate team. Once the city anti-fraud center receives the fraud alarm, it can immediately give the team information by telephone, fax and email. After receiving the news, the team will stop paying the account money or inquire about the flow of funds in real time, and race against time. Everbright Bank will send reminders to cardholders through paper, electronic bills, text messages, etc., and put anti-fraud publicity materials in a prominent position in the business hall, and broadcast the "customized version of the bank" anti-fraud publicity video for peer-to-peer publicity.

There are different reasons for the bank card to stop payment, and the cancellation methods are also different. Generally, bank cards that have been suspended due to legal disputes or cases involved can be lifted after the dispute is resolved or closed. If the payment is stopped due to illegal behaviors such as cash withdrawal and overdue, the illegal behavior should be stopped first, the bank losses should be paid back, and the payment can be lifted only after the good credit status is restored. Under normal circumstances, if the cardholder voluntarily applies for stopping payment, it can only be lifted after the cardholder applies for lifting the stop payment; If the bank voluntarily stops paying the bank card, it shall be handled according to the following four situations:

1. If the overdraft is overdue, the cardholder can apply to the issuing bank to cancel the payment stop after timely repaying the overdue overdraft principal and interest. However, the bank has the right to reduce the amount as appropriate before terminating the payment, or to clear the amount of high-risk overdue cardholders without terminating the payment.

2. If the payment is stopped due to suspected cash withdrawal: the cardholder needs to provide compliant credit card credentials (such as credit card receipt, merchant invoice or bill of lading, etc.) before applying for cancellation of payment stop. ).

3. Suspension of payment for customers with potential risks: The bank shall investigate and verify the risks of cardholders, and lift the suspension of payment as appropriate after eliminating the potential risks.

4. The bank will not terminate the payment for the handling of fake cards, fake cards and other acts.