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What if the bank loan guarantee account is frozen?
If the guarantor's bank card is frozen, he must pay the creditor first and then go to the bank to unfreeze it. If it is inconsistent with the facts, he can directly appeal to the court.

Legal basis: Article 269 of the Civil Procedure Law of People's Republic of China (PRC). A party who has no domicile in the territory of People's Republic of China (PRC) refuses to accept the judgment or ruling of the people's court of first instance and has the right to appeal within 30 days from the date when the judgment or ruling is served.

Provisions of the Supreme Court on the Seal-up, Seizure and Freezing of Property in Civil Execution of the Court

Article 21 The property of the person subjected to execution shall be sealed up, detained or frozen to the extent that it is sufficient to pay off the amount of creditor's rights and execution expenses determined in legal documents. If the amount obviously exceeds the standard, it shall not be sealed up, detained or frozen.

Article 29 The time limit for the people's court to freeze the bank deposits and other funds of the person subjected to execution shall not exceed six months, the time limit for sealing up or distraining movable property shall not exceed one year, and the time limit for sealing up or distraining immovable property and other property rights shall not exceed two years. Except as otherwise provided by laws and judicial interpretations.

If the person subjected to execution applies for an extension of the time limit, the people's court shall go through the formalities of sealing up, distraining and freezing before the expiration of the time limit for sealing up, distraining and freezing, and the extension period shall not exceed half of the time limit specified in the preceding paragraph.

If you find that your bank card is frozen, you should contact the bank for consultation on working days. Usually bank card freezing includes the following three situations:

1. The transfer system of China People's Bank was frozen.

If the transfer flow is too large and the comments are inappropriate, the bank card account may be frozen. The way to deal with this situation is to go to the bank to apply for thawing, which can usually be solved within 3 working days.

2. The police froze for a while.

This situation shows that your bank card has received money, but it is not a bank card that directly receives money. Usually, when the freezing time expires (72 hours), it can be thawed automatically.

The police asked the people's court to freeze it.

Provisions of the Supreme People's Court Municipality on the Seal-up, Seizure and Freezing of Property in Civil Execution by People's Courts (Law Interpretation [2004]15) Article 29 The time limit for the people's court to freeze bank deposits and other funds of the person subjected to execution shall not exceed six months.

This situation shows that your bank card directly received the money from the black money bank card. Such cases are usually frozen for more than six months, and the police can extend the freezing period, even until the case is closed or the case is withdrawn.

The first two cases are better solved by freezing. If it is frozen for half a year, the bank will provide the telephone number of the public security department for freezing. After that, you need to contact the public security department that is frozen on weekdays to understand the specific situation. Usually, you need to bring your personal transaction certificate and the running water certificate printed by the bank (with official seal), go to the local public security bureau to make a record and help you unfreeze your bank card as soon as possible.

Extended data:

Prevent bank cards from being stolen and frozen;

1, pay attention to credit card transactions.

Don't take the password lightly. Block the operation gesture with the other hand or body to prevent others or pinhole camera from peeping. If the password is found to be peeked, you should immediately modify the password or contact the bank to report the loss. In addition, when spending by credit card, we should pay attention to whether to swipe the card on two POS machines, and also pay attention to the number of times the cashier swipes the card.

2. The transaction sheet was completely shattered.

Many depositors, after handling business at ATMs and counters of banks, tear up the receipts and throw them away or throw them away at will without tearing them up, which may reveal the information of depositors, including account numbers and card numbers. It is suggested that citizens must completely crush the receipts after handling business, and bank outlets will install shredders or collect them themselves.

3. It is suggested to deposit a lot of idle funds.

If there is a lot of money in the cardholder's card that has not been used for a long time, you can choose time deposit and other ways to solidify it. It is understood that most banks require to provide the original ID card of the account holder and the original ID cards of both the account holder and the agent when withdrawing time deposits in advance. In this way, even if criminals copy bank cards, they can't steal them.