Reasons why bank cards will be frozen:
1. The case was frozen by the Public Security Bureau;
2. Incorrect withdrawal password entered for three consecutive times is frozen;
3. Bank cards have risky consumption behaviors such as large consumption in different places and abnormal consumption abroad;
4. Personal credit card and loans overdue were sued, and the court forced to freeze the assets under their names.
If there is no financial transaction initiated by the cardholder for more than 12 months, and the deposit balance is below 10 yuan, it will become a sleep card. Pay attention to it in daily use.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.
Classification method
Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can also
_ According to different information carriers, it is divided into magnetic stripe card and chip card;
_ According to whether the issuing bank is in China, it is divided into domestic cards and overseas cards;
_ Divided into personal cards and corporate cards according to different card issuers;
_ Account is divided into RMB card, foreign currency card and dual currency card according to different currencies.
Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.