Why is the bank card suspended?

Recently, many people's bank cards can't be paid when they are used in WeChat, Alipay and mobile banking. The mobile phone prompts that "the bank refuses this transaction", which may be the following situations:

1. The expired identity information caused the card to be suspended by the counter.

If the information you keep in the bank is incomplete, or your ID card expires, your card will also be suspended. Just bring your ID card to the bank outlet to update the information, and you can recover.

Second, the "Card Breaking Action" suspended non-counters in large quantities.

When some banks in some cities cooperate with the "card breaking action", a large number of cards will be locked out of order. The purpose is to let customers come to the counter to check the running water. At this time, whether your running water is abnormal will be locked. I need to bring my ID card, bank card and my mobile phone number registered in real-name registration system to the counter of the outlet to check that there is no abnormality in the running water.

Let's talk about what abnormal water is first. Trading in the morning, transferring in and out for many times at the same time, returning goods frequently after purchase on the online shopping platform, and transferring money frequently with different counterparties. Such running water is suspected of helping others post, swipe their bills and gamble. Such a card bank can't help you unlock it. The solution is to close the account and get the money.

Three. There are multiple accounts in the same bank.

Every bank has different rules. For example, some banks stipulate that a person can only have four cards at most. If there are more than 4 cards, your card may be locked. At this time, you need to go to the outlet to check the account. After closing, you can unlock extra accounts.

Four. Freeze and stop payment

For freezing and stopping payment, only the competent authorities (public security bureau, criminal police brigade, court, procuratorate, etc. ) Have the right to freeze your account. Generally, you know what the situation is, and you can apply for thawing when the case is over. You need to apply to the relevant authority, and the authority will show the handling letter to the bank to help you solve it.

On the other hand, if you inadvertently make a transaction with the relevant personnel, you may be included in the freeze list. For example, if you transfer money to a friend of yours, and this friend happens to be involved in the case, you may also be affected. At this time, you will be wronged. Solution: In the same way, you should apply to the competent department. After cooperating with the investigation, I will take out relevant documents to help you solve it.

The difference between freezing, stopping payment and suspending off-counter means that your card cannot be used outside the counter, but you can deposit and withdraw money, transfer or cancel your account at the bank counter; Freeze or stop payment, you can't just accept and not pay. Can only accept, can't pay and can't transfer money. Generally, you can't close your account.

I hope everyone can use it and cherish it. Do not participate in illegal and criminal activities. No bills, no posts, no online gambling, etc. Once blacklisted by a bank, no matter which bank you are in, your account cannot be used.

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