Lead: I think everyone has experienced such a thing. The bank cards they use will be frozen for no reason, but many people don't know much about bank card freezing. So how to unfreeze the frozen deposits in the bank?

The bank froze deposits. There are different reasons for banks to freeze funds, and there are different solutions. Specifically, there are the following two situations:

How to unfreeze bank frozen deposits

1. If the user continuously forgets the bank card withdrawal password and freezes, and enters the wrong password too many times, it will be automatically unfrozen after 24 hours;

2. If the user is frozen for using the bank card for illegal transactions, and the situation is serious, it is necessary to hold the ID card and bank card to queue up at the bank counter for thawing.

Bank cards are frozen for several reasons.

First, misoperation in the process of using the card will be temporarily frozen by the bank

1, ATM operation, input the wrong password for more than 3 times, automatically freeze, and automatically thaw after 24 hours;

2. Frequent operation of online banking, incorrect password input for more than 3 times, and automatic freezing and thawing after 24 hours;

3. Online transactions are abused by virus links and are temporarily frozen and unfrozen to banks.

Second, in the process of using the card, abnormal trading behavior was temporarily frozen by the bank.

1. Small online transactions are frequent, online recharge, and different accounts go back and forth, which are regarded as suspected credit card swiping by the bank, which is an abnormal transaction and will be frozen by the bank;

2. Large foreign exchange transfer, virtual currency speculation and foreign exchange speculation are regarded as abnormal transactions by banks and will also be frozen by banks;

3. Buying pornographic video services and participating in online transactions in gambling sites are also regarded as abnormal transactions and frozen by banks;

4. If the user card is stolen by others, the bank regards it as an abnormal transaction and the bank can unfreeze it through legal channels;

5. The user's bank card, huge or high-frequency transaction, is an abnormal transaction and will be frozen by the bank.

Third, participation in illegal and criminal activities through bank cards is frozen.

1, committing online fraud through bank cards, obtaining huge profits and huge funds, and being convicted by judicial organs;

2. The bank card is suspected of a major economic debt dispute, and after the court's appraisal, the judicial organ requires the bank to freeze;

3. The user's bank card involves a large number of money laundering, gang crimes and drug transactions, which will be recognized by the judicial authorities and the bank will freeze the bank card;

Under the above circumstances, bank card freezing can be divided into temporary freezing and permanent freezing. The former is not serious. If you find the reason, the bank will unfreeze you; The latter is so serious that it is difficult to thaw, and some even freeze permanently.

Can bank cards be frozen and credited?

After the bank account is frozen, you can transfer money, but you can't withdraw cash and transfer money. Bank accounts frozen by the court can be deposited, but the amount frozen by the court cannot be used, withdrawn for consumption, transfer, etc.

The amount exceeding the frozen part can be used, withdrawn, consumed and transferred. The bank account is frozen by the court, payment is stopped, and only in and out, so money can still come in, but funds cannot be withdrawn and transferred out.

Warm reminder: once you find that your bank card is frozen, you should first find out the specific reasons, call for advice, and then go to the bank to unfreeze it.