The freezing of a bank card item means that the bank card can only deposit money and cannot withdraw money. Generally speaking, the following reasons will lead to the freezing of bank cards:

1. If the card is a credit card, there may be abnormal transactions, such as malicious cashing, forged information, and continuous password errors;

2. If the card is a debit card, there are two situations. First, the wrong account is frozen, that is, the bank mistakenly gives more money to the depositor's account, so the bank may freeze the extra part; The second is judicial freezing, that is, judicial organs can apply to banks for freezing bank cards because of the need of handling cases;

3. If it is an overdraft bank card, the bank will immediately freeze the bank card when the overdraft exceeds the share.

I. Definition: A frozen account refers to an account that is temporarily not allowed to withdraw money.

For example, due to the emergency financial policy adopted by the government, or the account that is forbidden to withdraw money before the court decision. With the approval of the person in charge of the banking supervision institution of the State Council or its provincial dispatched office, the banking supervision institution has the right to inquire about the accounts of banking financial institutions, their staff and related actors suspected of financial violations; Anyone suspected of transferring or concealing illegal funds may, with the approval of the person in charge of the banking regulatory institution, apply to the judicial organ for freezing.

Second, relevant laws and regulations:

In order to regulate the people's court's behavior of inquiring and freezing the deposit and other property of the person subjected to execution through the Internet in the process of handling the execution case, and further improve the execution efficiency, these Provisions are formulated in accordance with the provisions of the Civil Procedure Law of the People's Republic of China and the actual work of the people's courts.

Article 1. If the people's courts and financial institutions have established a network enforcement inspection and control mechanism, they can implement measures such as inquiring and freezing the deposit of the person subjected to execution through the network. The establishment and operation of the network execution inspection and control mechanism shall meet the following conditions:

(1) It has established a network execution inspection and control system, which has the function of sending, transmitting and feeding back inspection and control information through the network execution inspection and control system;

(two) authorize specific personnel to handle the network to carry out the inspection and control business;

(3) Having an electronic seal system that meets the safety standards;

(four) measures have been taken to ensure the security of the inspection and control system and information.

Article 2. When the people's court implements the online inspection and control measures, it shall report to the corresponding financial institutions in advance the relevant official documents of the specific enforcement personnel who have the right to take the inspection and control measures through the Internet. When handling specific business, it is no longer necessary to provide the relevant official documents of the executives to the corresponding financial institutions. The people's court shall report the personnel change information and relevant official documents to the corresponding financial institutions in a timely manner if there is any change in the specific executors who handle the network inspection and control business.

Article 3 When the people's court inquires about the deposit of the person subjected to execution through the Internet, it shall transmit a notice of electronic assistance in inquiring about the deposit to the financial institution. If multiple cases are inquired centrally, a summary case inquiry list may be attached.