Contact the bank by phone to find out the reason for freezing the card.

After the frozen friends found that the bank card was frozen, the first thing to do was to call the bank to confirm the frozen subject.

1) If it is the bank's risk control measures, frozen friends should directly communicate with the bank on the way to unfreeze.

2) If it is frozen by the tax authorities, frozen friends should check whether the company has any tax arrears, and the tax authorities will freeze the taxpayer's account when recovering the tax arrears.

3) If it is a judicial freeze, frozen friends need to make it clear which organ of the public security law has frozen it. When the public security organs and procuratorates freeze, criminal cases are involved. When the court freezes, it may involve criminal cases or civil enforcement cases.

In the cases where bank cards are frozen, most of them are frozen by public security organs, and the four-step unfreezing method is also aimed at the freezing of public security organs.

Second step

Contact the public security organ in the frozen area.

1 Wait for three days after freezing.

The first and third paragraphs of Article 2 of the Opinions on Further Standardizing the Disposal of Property Involved in Criminal Proceedings stipulate that if it is found that it has nothing to do with the case, it shall be dissolved and returned within three days, and the relevant parties shall be notified. According to the above regulations, after the bank card is frozen by the police, it is recommended that frozen friends wait patiently for three days. This freezing may only be the necessary risk control carried out by the police at the initial stage of handling the case, and will be automatically unfrozen after the account transaction is confirmed to be safe.

In the process of waiting, frozen friends can browse our WeChat official account and short videos to learn about the legal knowledge of frozen cards and prepare for later communication.

Get in touch with the public security organ in the frozen area.

If the bank card does not unfreeze itself after three days, the frozen friends should take the initiative to get in touch with the public security organ in the frozen place.

If there is no contact information, frozen friends can get the contact number through 1 14 inquiry and switchboard inquiry. Conditional can also go to the location of the public security organs.

3 get the contact information of the police officer in charge.

After getting in touch with the public security organ, the frozen card holder explains his frozen card situation in detail to the public security organ, and knows the police officer and contact information of the frozen bank card.

The public security organs are busy with few people, and frozen friends may encounter situations in which they have contacted many times and found nothing. If you can't get the contact information of the police officer in charge, frozen friends can go to the public security site in the frozen area to inquire, and if necessary, they can get it by complaining.

Contact the police officer by phone.

After obtaining the contact information of the police officer, the frozen friends should contact the police officer in time. When contacting, you should mainly state the source of funds to the police officer, know whether you are involved in the case, what case you are involved in, how much money you are involved in, and ask how to unfreeze the bank card.

In fact, many police officers will not actively help find out the facts and unfreeze bank cards. If you can't get through the phone or things don't progress, frozen friends can still solve it by complaining.

5. Telephone communication with the police officer.

After the frozen friends get in touch with the police officer, the police officer may ask for some necessary materials, and the frozen friends can provide them according to the requirements of the police officer.

However, when the police officers handle the unfreezing of frozen friends' bank cards, the starting point is to protect the rights and interests of the victims from damage, and pay less attention to the rights and interests of frozen friends. Frozen friends are not professionals, and direct communication with the police officers will be in a weak position, and their rights and interests will inevitably be damaged.

In addition, every police officer's judgment is different whether the frozen funds are legal or not. If a professional lawyer analyzes the case from the perspective of frozen friends and provides professional legal advice, it will definitely achieve twice the result with half the effort and improve the success rate of thawing.

Third step

Prepare materials and submit them, and cooperate with the public security organs in the investigation.

0 1 preparation materials

Take the unfreezing of bank cards involved in virtual currency transactions as an example, frozen friends can prepare the following materials, including bank flow for half a year to one year, virtual currency transaction records or on-line currency transfer records, platform transaction records, chat records with counterparties, real-name information of counterparties, personal income certificates and work certificates, legal source certificates of other funds in the card and other materials that can prove the legal source of funds.

In addition to the above materials, frozen friends also need to submit an Application for Unfreezing, in which the transaction process and other cases involved should be recorded in detail, and the reasons for unfreezing should be explained to the public security organs in combination with relevant laws and regulations. It is recommended to entrust a professional lawyer to complete the Application for Unfreezing. A professional Application for Unfreezing can greatly improve the success rate of unfreezing bank cards.

02 Submit materials to cooperate with the investigation

After the frozen friends have prepared the above materials, they can take the materials to the public security organ in the frozen area to cooperate with the public security organ in the investigation. The public security organ will judge the degree of involvement according to the materials provided by the frozen friends and the investigation.

When the frozen friends cooperate with the public security investigation, they may be considered as suspected of criminal offences by the public security organs and may be taken compulsory measures. If you have this concern, frozen friends can entrust lawyers to accompany them to the public security organs to cooperate with the investigation.

Fourth step

Public security organs review materials

After the investigation by the public security organs, frozen friends can go home and wait for news. The following situations may occur after submitting the materials:

One is to ask the frozen friends to supplement the materials and submit them again, and the frozen friends can supplement the materials and wait for the news according to the tips of the public security organs;

One is that there is no news from the public security organs. If the frozen friends still don't receive the news after one week, they can urge the public security organs to handle it as soon as possible. If the public security organs don't handle it, they can complain to the competent authorities.

The last one is that the public security organ informs that the bank card has been unfrozen smoothly. After receiving the notice, frozen friends should check whether their bank cards have been unfrozen as soon as possible. If they still have not been unfrozen, they can entrust a professional lawyer to communicate with them.

Special note: Many frozen friends will encounter the method of unfreezing their bank cards after the public security organs request to deduct funds. After deducting funds, it also shows that the funds belong to the funds involved. Even if frozen friends unfreeze their bank cards in the way of the public security organs, they may be blacklisted by banks, disciplined by banks, and included in the list of people with two cards, which will affect their legitimate rights and interests.

In short, when frozen friends encounter bank cards being frozen, they can first try to unfreeze them according to the four-step method of bank card unfreezing summarized by Mr. Guo's team. If the situation is more complicated, it is difficult for them to handle or involves more interests, frozen friends can entrust professional lawyers to solve it.