First, you can go directly to the bank counter and show your bank card and ID card for the staff to inquire.
Second, call the bank's customer service phone to inquire;
Third, inquire through online banking or mobile banking.
There are three reasons why the bank card is frozen: first, it is frozen due to misoperation in the process of using the card; The second is the abnormal trading behavior in the process of freezing the card; Third, participation in illegal and criminal activities through bank cards is frozen.
Let's talk about these three situations in detail:
First, misoperation in the process of using the card will be temporarily frozen by the bank.
1. If you enter the wrong password for more than 3 times, it will automatically freeze, and this will automatically thaw after 24 hours.
2. Frequent operations on online banking will be automatically frozen and automatically unfrozen after 24 hours if the wrong password is entered for more than 3 times.
3. When trading online, it is misused by virus link, temporarily frozen and unfrozen to the bank.
Second, in the process of using the card, abnormal trading behavior was temporarily frozen by the bank.
1. Frequent small online transactions, online recharge, and different accounts going back and forth are regarded by banks as suspected of swiping bills, which are abnormal transactions and will be frozen by banks.
2. Large foreign exchange transfer, speculation in virtual currency and speculation in foreign exchange are regarded as abnormal transactions by banks and will also be frozen by banks.
3. Buying pornographic video services and participating in online transactions such as 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 can unfreeze the bank through legal channels.
5. The user's bank card has a large or high-frequency transaction, which is an abnormal transaction and will be frozen by the bank.
Third, participation in illegal and criminal activities through bank cards is frozen.
1. used bank cards to commit online fraud activities, and obtained huge profits and huge funds, which was convicted by the judicial organs.
2. The bank card is suspected of a major economic debt dispute and has been identified by the court, requesting the judicial organ to freeze the bank.
3. The user's bank card involves a large number of money laundering, gang crimes and drug-related transactions, and is characterized by the judicial organs. Similarly, banks will freeze bank cards.
In all the above cases, bank card freezing can be divided into temporary freezing and permanent freezing. The former is not serious. Find the reason and the bank will unfreeze it for you. The latter is serious in nature, so it is very difficult to thaw, and some even freeze permanently.
Once the bank card is found frozen, you should first find the specific reason, call for advice, and then go to the bank to unfreeze it.