There are many reasons why bank cards are locked, but I think there should be three reasons, the first kind of your personal information expires without timely improvement, more than a certain period of time to stop some of the functions of your card, the second kind of your personal citizens have been prosecuted, especially economic disputes type of case freezing of your corresponding bank card, all banks will be frozen, and the third kind of suspicion that you are suspected of the corresponding illegal transactions Banks, from the perspective of big data risk management suspended the use of bank cards.

:

Bank card:

Bank card refers to the approved by the commercial banks (including postal financial institutions) to the community issued by the consumer credit, money transfer and settlement, access to cash and other functions in whole or in part of the credit payment tool. Bank card reduces the circulation of cash and checks, and makes the banking business break through the limitation of time and space, and has undergone fundamental changes. The use of automatic bank card settlement system, make this "no checks, cashless society" dream become a reality.

From August 1, 2017, the annual bank card management fee was abolished, and some basic financial service charges of commercial banks were suspended.On April 22, 2019, China UnionPay released the "Report on the Development of China's Bankcard Industry (2019)".On August 15, 2020, Baidu Inc. and Bayshore Bank launched the first domestic digital bank card in China in conjunction with China UnionPay --On August 31, China UnionPay released its first digital bank card "UnionPay Boundless Card".

Credit cards

Credit cards are divided into credit cards and quasi-credit cards. A credit card is a credit card in which the issuing bank grants the cardholder a certain credit limit, and the cardholder can make purchases within the credit limit and make repayments later. A quasi-credit card is a credit card in which the cardholder first deposits a certain amount of reserve as required by the bank, and when the reserve is insufficient to cover the payment, the cardholder can overdraw within the credit limit stipulated by the card-issuing bank.

Credit card

Credit card (Credit card), often referred to as credit card, refers to the credit limit given to the cardholder by the issuing bank, and the cardholder can consume within the credit limit first, and then repay the credit card. It has the following characteristics: spending first and repaying later, enjoying interest-free payment period (up to 56 days), and having a minimum repayment amount, customers can repay the overdraft in installments on their own. Customers are required to pay a certain amount of annual fee to the bank they apply to, which varies from bank to bank.

Quasi-credit card

Quasi-credit card is a kind of single-currency, single-account credit card with interest-bearing deposits and RMB settlement for credit card purchases, which has the functions of transferring and settling payments, depositing and withdrawing cash, credit consumption, and online banking transactions. When card consumption [18], cash account deposit balance is insufficient to pay, the cardholder can overdraft consumption, cash withdrawal within the limited credit limit, and charge a certain amount of interest. There is no interest-free repayment period.

Quasi-credit cards are a type of credit card with Chinese characteristics, and there is no such type of credit card abroad. in the late 1980s, the Chinese banking industry introduced credit card products from abroad. Because China's personal credit system was not perfect at that time, the Chinese banking industry made certain changes to foreign credit card products, changing the traditional foreign credit card deposits without interest and overdrafts with interest-free period to deposits with interest and overdrafts without interest-free.