"Three steps" and "five precautions" for unfreezing bank cards

Source: Mankiw Blockchain

Every day, different card owners come to us to inquire about how to unfreeze frozen bank cards. Some card owners have their bank cards frozen because they participated in cryptocurrency transactions, some card owners have their bank cards frozen because they gave their bank cards to others to use, and some card owners have their bank cards frozen in foreign trade business...< /p>

It can be seen that there are many situations and reasons for bank cards to be frozen. Each card owner’s unfreezing method, unfreezing time, and possible difficulties will also be affected by the reasons for freezing, the card owner’s participation, the handling attitude of the public security agency, etc. The impact in many aspects requires detailed analysis of specific circumstances.

In fact, when dealing with bank card freezing matters During the process, we have summarized that there are several methods and steps that are common, as well as some things that card owners need to pay attention to. We share them with readers here as a basic unfreezing reference and guide for card owners.

01 Three steps to unfreezing

The first step , understand the reasons for freezing and basic information, and contact the freezing authority.

When card owners find out that their bank cards have been frozen, they often only know that the bank card has been restricted from being transferred out, but the specific reasons and relevant authorities are unknown. . At this time, the card owner has too little information. The first thing he needs to do is to understand the basic situation of the bank card freezing.

Card owners can learn about the specific authority and contact information that freezes their bank cards by calling the bank’s customer service number or visiting the bank counter in person. When the bank card is first frozen, the card owner may not be able to know the details because the information has not been synchronized to the bank in time. It is recommended that the card owner continue to inquire the next day. The bank will have records of the basic information related to the specific bank card being frozen, and it can fully inform the cardholder.

If it is known that the freezing authority of the bank card is a certain local police, the card owner needs to record the specific name and contact information of the police and contact them. After calling the police, the card owner can also get the contact information of the specific police officer responsible.

Understanding the reason for unfreezing the card and the basic information about the frozen card can be said to be the beginning of all unfreezing actions. Contacting the freezing authority is the first step for card owners.

The second step is to prepare and submit materials according to the procedures.

After learning about the bank card freezing authority through the bank and making initial contact, card owners need to understand the basic process and required materials for unfreezing.

Depending on the situation, different police departments may have different requirements and procedures for unfreezing bank cards. Some police officers need to investigate the card owner personally and will require the card owner to go in person to take notes. Some police officers will tell the card owner that they first need to provide relevant materials, such as proof of identity, bank statements within a certain period, etc. Therefore, card owners need to operate according to the requirements and procedures of their bank card freezing authority.

If you have any questions about the notification from the public security organ, you can raise it in a timely manner and make further inquiries. It is best to complete the materials required by the freezing authority and submit them as soon as possible. If the card owner does have difficulties in collecting materials, he can also inform the police officer in time.

When card owners prepare bank statements and other unfreezing materials, they can attach a situation statement and relevant evidence materials to improve the efficiency of unfreezing.

The third step is to follow up in a timely manner.

Generally speaking, after receiving the unfreezing materials, the card freezing agency will review the card owner’s materials, identity, etc. If the card owner's situation allows the card to be unfrozen, the public security agency will do so. Of course, this is an ideal situation. During the actual unfreezing process, card owners may encounter situations where they cannot wait for news for a long time after submitting the materials. After all, in addition to managing bank card freezes, the police officers handling the case also have a lot of daily affairs to deal with, and they even often travel on business.

After submitting the materials, the card owner can ask about the approximate time it will take to unfreeze the card. During this period, card owners are advised to pay attention to the usage of their bank cards and the unfreezing progress of the police and banks.

These three steps are the basic directions for card owners to unfreeze their banks. After knowing the direction, the card owner also needs to understand some common problems encountered when unfreezing the card and what needs to be paid attention to.

02 Unfreeze the "Five Attentions"

First, pay attention Determine the cause of frozen card and problem flow.

The freezing of bank cards is not necessarily related to the public security organs. The bank's internal risk control system, preservation and enforcement in civil litigation, etc. may all cause the bank card to be frozen. When a card owner discovers that his bank card has been frozen, he can recall whether he has been involved in a lawsuit recently, whether he has used his bank card abnormally, whether he has given his bank card to others, whether he has bought or sold coins, and other behaviors that may easily cause the bank card to be frozen. Preliminary speculation and reference. The card owner needs to further communicate and confirm with the bank the reason and type of bank card being frozen, the freezing authority, etc.

Second, pay attention to asking about the thawing steps, required materials and approximate thawing time.

If the card owner hurriedly states his various matters without understanding the situation, or goes directly to the card freezing authority to try to solve the problem without any preparation, in Not knowing what to do when taking notes not only affects the efficiency of thawing, but may also create problems for yourself in later thawing.

Third, pay attention to maintaining active communication with relevant authorities.

It can be said that the entire process of unfreezing a bank card requires liaison and communication with the relevant authorities. Contacting the police who frozen the card is the beginning of applying for unfreezing, and every subsequent step is the same. Communication and docking are required. In the actual process of applying for unfreezing, effective communication with the freezing card authority does require certain methods and patience.

Fourth, assess legal risks in advance.

This does not mean that the card owner does not have any criminal qualitative risks if he is not directly engaged in illegal and criminal activities. This requires a specific analysis based on the card owner's own situation, and you can consult professionals in advance. , conduct a risk assessment, and then apply for unfreezing.

Fifth, pay attention to safeguarding your own legitimate interests.

As a bank card holder and a citizen, the card owner enjoys legal rights no matter in dealing with legal property, using bank cards, or in normal work and life. rights and interests. If during the process of applying to the public security organ for unfreezing, the card owner feels that his rights and interests are difficult to be protected, he can seek help from professionals to safeguard his legitimate rights and interests.