Bank card freezing includes bank freezing and judicial freezing, and the judicial freezing here is mainly the judicial freezing of public security departments.
Bank freezing is mainly bank risk control restriction and payment stop lock. There are irregularities in the use of your bank card, such as frequent bank card transactions, fast-forward and fast-out, large-value transactions, equal and similar amounts of money in and out of the account in a short time, or centralized transfer to decentralized transfer, decentralized transfer to centralized transfer, frequent night transactions, no balance in the account, and the account is only used for fund transition, which is easily monitored by the bank's anti-money laundering risk control system.
If the risk assessment of the bank card is high, the bank will also lock in the risk control of the card, limit the counter, limit the transaction amount and downgrade the bank card. In addition to the irregular use of accounts, the reasons also include the bank card being inquired, stopped or frozen by the public security department, and the bank locking the card.
The account status of bank card risk control includes normal, abnormal, only receiving and not paying, not receiving and not paying, one-way freezing, two-way freezing and so on. However, the same status may contain different bank card freezing conditions, and the freezing information query of bank outlets shall prevail.
The public security judicial freeze is because the bank card has received money from other cases. Regardless of whether the account receives these payments directly or indirectly, the public security department will stop and freeze the relevant accounts within the scope of stopping payment and freezing, so as to prevent the transfer of funds involved and facilitate the investigation of cases.
Common cases frozen by public security departments include online gambling, swiping bills, swiping loans, online part-time transfer, fraud, buying and selling bank cards, virtual currency transactions, foreign trade merchants collecting money, and exchanging foreign exchange privately.
There is no time limit for bank risk control. Without cooperation with banks, bank risk control will not be actively eliminated. Therefore, no matter what type of risk control, you must go to the bank outlets to cooperate with the unsealing. General risk control is to verify personal identity and explain the purpose of the account and the source of fund transactions. Individuals involved in anti-fraud risk control restrictions need to go to the public security department for account investigation to confirm the transaction flow that does not involve accounts.
Public security and judicial freezing are related to temporary suspension and formal freezing. The temporary suspension of payment can be 48 hours, three days, five days and seven days (depending on different banks), and the formal freeze can be one month, two months, three months, half a year or one year (usually half a year, the stipulation is within half a year). When the bank card is found to be frozen, you can ask the bank about the status of the card and the reasons for freezing, and make different countermeasures according to different types and reasons for freezing.
It should be noted that although the public security judicial freeze is common for half a year, half a year is only a freezing cycle. Because the investigation process of telecommunication network fraud cases is often complicated, hidden and difficult, it usually takes a long time to handle cases, and one or two years is the norm. When the case is still under investigation, the relevant frozen accounts will generally be frozen after half a year, and there is no upper limit on the number of freezes. This is also one of the important reasons why so many people's frozen accounts have not been solved.
Bank risk control freezing needs to communicate with the bank and submit reconciliation related information. Of course, sometimes it involves the policy orders of the public security department, and it does not rule out going to the local public security department to cooperate, such as going to the anti-fraud center to get a clarification certificate. The bank will follow up the unfreezing of the bank card with the supporting documents or instructions of the public security department.
Public security and judicial freezing, first of all, see if he temporarily stops paying? Or is it officially frozen? In the case of temporary suspension of payment, just wait for it to untie itself. Of course, it doesn't mean that all temporary payments will be automatically lifted after three days or a few days. Some temporary suspension of payment will become a formal freeze in half a year after three days, which means that your bank card has been identified as involved.
In case of a case, ask the bank about the name of the public security unit that froze the card, the freezing period, the case number and contact information, and then get in touch with the police of the freezing department to understand the reasons for freezing the bank card, explain the personal situation and cooperate with the police. You can unfreeze your account after the police verify that your personal situation is all right. The premise is that the police verify that your personal situation is not illegal.
If your bank card has been used for illegal business, such as online part-time financial transfer, swiping a bill, swiping a loan, running a branch (transferring money on behalf of others to earn a handling fee), renting and lending a personal bank card, and helping criminal gangs to launder money. It is illegal in itself and it is difficult to thaw. Some people will even be punished by the public security department, and may also be prosecuted for allegedly helping information network criminal activities and concealing crimes.
If there are such acts, I suggest that you should not consider how to unfreeze the bank card first, but should minimize the legal responsibility for illegal acts, actively explain your experience to the public security department, and strive for a lighter punishment. Taking the initiative to confess, confessing leniently, returning stolen goods and paying compensation, and turning yourself in for meritorious service are the best handling strategies for you personally.
If you didn't do anything illegal, you just received the funds involved without knowing it, resulting in the bank card being frozen. For example, foreign trade merchants collect money, virtual currency transactions, domestic stores sell goods to collect money and so on. You can clarify the explanation to the frozen police, introduce your specific situation clearly, provide proof of transaction materials, and wait for the freezing department to review and unfreeze.
If you have online gambling, buy balls, buy lottery tickets, buy sizes, etc. This kind of violation of the law is quite special and there are corresponding ways to deal with it. The common fault of many big brothers is that online gambling takes a long time and is worried about being fined, detained and punished.