Is the unilateral freezing of CCB credit cards serious?

One-way freezing of CCB is generally very serious.

Personal freezing of bank card: your bank card can only deposit money, not withdraw money, and can only carry out personal activities.

First, why is it a one-way freeze?

There are many reasons for the one-way freezing of bank cards, such as the bank mistakenly transferring funds to the depositor's account, entering the wrong password three times in a row, and failing to re-apply the bank card when it expires. If freezing or other illegal acts are caused by the court's untrustworthy list, the bank can unfreeze the bank card after paying off the arrears.

Second, how to thaw

1. If the cardholder reports the loss of the bank card, the bank card will freeze the card for 5 natural days. If you report the loss permanently, the bank will freeze the card permanently, and then the cardholder needs to go to the bank to apply for a replacement card.

2. If the amount of credit card or loans overdue is large and takes a long time, you need to pay off the arrears before applying for unfreezing. Whether it can be unfrozen depends on the bank's audit results.

3. If the cardholder's bank card is frozen by the judicial authorities, it is necessary to apply to the local people's court for unfreezing the bank card after the case is closed. Usually it will thaw automatically within 6 months.

The criminal investigation department has filed a case to freeze the bank card.

After receiving a report, the public security organ will generally file a case for investigation to see if the case is true and whether it constitutes a criminal act. In order to prevent criminal suspects from transferring property, bank cards can be frozen.

Legal basis: Article 102 of the Criminal Procedure Law of People's Republic of China (PRC) stipulates that the people's court may, when necessary, take preservation measures such as sealing up, distraining and freezing the defendant's property. The plaintiff or the people's procuratorate in an incidental civil action may apply to the people's court for preservation measures. The people's court shall adopt preservation measures and apply the relevant provisions of the Civil Procedure Law.

Tips: If you find that the bank card is frozen, please pay attention to it immediately and deal with it immediately to avoid being used by criminals. If you find that your bank card is frozen for unknown reasons, you can choose to consult a professional.