What Should I Do If My Bank Card Is Frozen?
Freezing is generally divided into two situations, bank risk control freezing and judicial authority freezing.
1. Reasons for bank freezing and how to deal with it
Reason for freezing:
1. Banks in some countries and regions do not allow bank accounts to participate in digital asset transactions. When an account involves digital asset transactions (for example, note USDT, ETH, Bitcoin and other digital asset information when transferring), bank risk control will be triggered. As a result, the bank card will be frozen or some transaction permissions will be suspended.
2. If there is a large amount of transfer funds in the bank account (for example: large transfers late at night, frequent transactions with multiple people, bank cards with no balance for a long time, etc.), bank risk control will be triggered, causing the bank card to be frozen or some transactions to be suspended. permissions.
Solution:
It is recommended that you contact the bank to inquire about the reason for the freeze and how to unfreeze it, and bring the materials required by the bank and cooperate with the bank to process it. It will usually be unfrozen in about three working days.
2. Reasons for judicial freezing and handling methods
Reason for freezing:
Generally, it is because there is a telecom fraud fund. After the victim is defrauded, the case is reported to the police. The police follows the transfer path of the victim's funds and freezes all the bank accounts on the relevant funds lines.
For example: the victim's funds were transferred to bank account A, A was transferred to bank account B, B was transferred to bank account C, and then extended to D, E, and F; then it is possible that A, B, C, D, E, and F will all be frozen, but B, C, D, E, and F may not know the source of the funds.
Judicial freezing is divided into the following two situations:
1. Temporary freezing by the police (36 hours to 72 hours).
Solution:
Generally speaking, it means that your card is not the card that directly receives the funds in question. Wait patiently and it will be automatically unfrozen when it expires.
2. The police request the People's Court to freeze the case for half a year to one year. The freezing period can be extended until the case is closed or withdrawn.
Solution:
It is recommended that you contact the judicial department to ask how to unfreeze. If the judicial department needs corresponding materials, you can ask the judicial department to provide the police officer certificate, case filing decision, and evidence collection notice (the above contents can be photographed or scanned) and sent to:
support@hibt.com, the platform will have specialists to follow up on your questions and actively cooperate with the police in handling cases.
Notice:
After being frozen, you need to contact the account opening bank or the bank's telephone hotline to get three pieces of information: freezing period, freezing method (bank freezing or judicial freezing), and freezing authority.
3. How to prevent card freezing
(1) No information is required when transferring money.
(2) Avoid using sensitive words such as "prevent card freezing" and "fund filtering". You can use "prevent receipt of dirty money", "prevent exposure to problematic funds", etc.
(3) Do not use commonly used bank cards or salary cards to avoid being frozen and affecting your life.
(4) Try to avoid large transfers late at night, frequent transactions with multiple people, and bank cards that have no balance for a long time.
(5) Because you are trading on the platform, but the funds do not go through the platform, in order to prevent your funds from coming into contact with illegal funds, it is recommended that you set your counterparty conditions and set the threshold higher when issuing the order. In addition, the transaction When requesting the other party to use my real-name account to make payment.