Original title: The bank card was suddenly frozen, what happened?
The "Break Card" operation continues to show its power, how to prevent and respond?
A few days ago, a number of Weibo netizens in Guangdong said that the Bank of China debit card under their name was suddenly frozen and could not be used normally, and could not even log in to the mobile banking APP.
The topic of "Bank of China's response to some users' failure to withdraw cash" also appeared on Weibo.
In addition to the Bank of China, there are also many similar situations, and some bank branches have also queued up to "unfreeze".
It is understood that the bank card freeze this time should be related to the "broken card" action.
In recent years, with the "broken card" operation, various banks have strengthened the management of bank cards, cooperated with the public security department to investigate bank accounts, and identified capital risks, so as to prevent and punish illegal and criminal acts such as telecommunication fraud and money laundering.
However, there are also feedback from depositors, saying that the bank's "first cut and then play" easily hurts normal card usage needs, and the "unfreeze" procedure is complicated, which brings great inconvenience.
In this regard, some bank staff suggested that after the account is frozen, you can contact the bank in time to understand the specific reasons, and then, depending on the situation, go to the bank outlet or directly online to file an abnormal complaint and unfreeze.
"Break the card" operation continues to show its power
"Suddenly, my salary card was frozen, and the salary could not be paid. I was asked to unfreeze it. I went to the nearest branch. As a result, I worked hard all morning and told me to call the Shenzhen account opening bank." Some Weibo netizens were helpless. express.
This is not an exception.
Recently, a number of depositors in Guangdong said on Weibo that their Bank of China debit cards under their names were inexplicably frozen.
Shortly after the account status was displayed as "frozen", some depositors said that they could not log in to the mobile banking APP either.
Related topics once rushed to Weibo hot search.
In addition to the Bank of China, there are also many banks in a similar situation.
Some bankers believe that the large-scale account freezing should be related to the implementation of the "broken card" action with the public security department.
As early as October 2020, the inter-ministerial joint meeting of the State Council on cracking down on new types of crimes against telecommunications networks held a national "card breaking" action deployment meeting, and decided to deploy nationwide to combat, control and punish the sale of "two cards". Illegal and criminal gangs are the main content of the "breaking card" action.
The so-called "two cards", one refers to bank cards, including personal bank cards, personal payment accounts, corporate bank accounts, settlement cards, etc., as well as accounts of third-party payment institutions such as WeChat and Alipay; Mobile phone cards issued by operators, phone cards and IoT cards issued by virtual operators, etc.
It is understood that the "Card Breaking" operation is intended to intercept the two-card trading behavior of "real names and false people", cut off the "information flow and capital flow" of fraudulent groups, eradicate the breeding ground for telecommunication network fraud and cross-border gambling crimes, and maintain Social security and stability.
The Heilongjiang police disclosed in November 2020 that within one month of the "broken card" operation, the criminal investigation department of the provincial public security arrested 379 suspects, punished 839 people, and destroyed 100 card-opening gangs of various types. There were 138 card-selling gangs, 116 telecommunications outlets and 63 bank outlets, and 1,475 bank cards and mobile phone cards of various types were confiscated.
The voice of depositors: It is not advisable to "break it up"
Many netizens expressed their understanding for the promotion of the "broken card" action.
However, some depositors also reported, "The account freeze came too suddenly, and the normal card usage requirements were 'stuck'" "The starting point is good, but the account is personal after all, so let me know even if it is a text message reminder."
There are also depositors who said that the "unfreezing" procedure is complicated and brings great inconvenience. "Let me go to the branch to unfreeze, but we have to go to work as normal. Where can I go to the branch when I have time?" "I have a card in Shenzhen, and now everyone I’m not in Shenzhen anymore, so I have to go back to thaw.”
In this regard, some bank staff suggested that after the account is frozen, you can contact the bank in time to understand the specific reason, and then go to the bank outlet or directly online to file an abnormal appeal and unfreeze as the case may be.
Some analysts believe that it is not appropriate for the bank to "break it". First of all, it must improve its accurate identification ability and reduce the "accidental injury" to normal card use. "rule.
In addition, through online processing, local processing, etc., it is convenient for depositors to "unfreeze" as soon as possible.
How should savers guard against it?
Bank reminder:
One is to properly keep your ID card, bank card, online banking U-shield and other account access tools, and protect personal information such as login account and password. For long-term inapplicable, idle or lost bank cards, you must cancel the account in time deal with;
The second is to take effective precautions, do not randomly click on suspicious links in text messages, online chat tools or websites, and be alert to QR codes of unknown origin; do not trust unfamiliar calls, and use bank cards with less funds for online payments.
Third, any unit or individual will not rent, sell, or lend access tools such as personal bank cards, ID cards, bank cards, online banking USB shields, etc., in order to avoid greater economic losses and bear legal responsibility.
It is understood that for units and individuals identified by the public security organs as renting, selling, lending or purchasing bank accounts, while assuming legal responsibility, they shall not open new accounts within 5 years, and shall not suspend non-counter business and all business of payment accounts within 5 years. Also included in personal credit.
Comprehensive prevention and control of card opening difficulties
With the "broken card" operation, it is no longer so simple for new users to open a card.
Many people have found that compared with the past, the bank card opening process has become more complicated. According to the actual situation of the card issuer, some banks may need to add work certificates, social security certificates, residence certificates, etc. If the card is issued in a different place. , may require more procedures and information.
"Sometimes it can be seen that customers are very impatient, but we can't do anything about it. Whoever opens the card is responsible for the end. After all, the risk of illegally opening a card is too great, and it can even be said to be an important source of high incidence of online fraud. I hope customers understand , as long as the use of the card is normal, the bank will support it." Some bank staff said.
In response to the pain points of individual users and small and micro enterprises in opening accounts, the central bank has successively issued the "Guiding Opinions on Doing a Good Job in Personal Bank Account Services for Migrant Employment Groups" and "On Doing a Good Job in Bank Account Optimization Services and Risk Prevention for Small and Micro Enterprises" in the third quarter of last year. "Guiding Opinions on Controlling Work", which proposes to establish and improve the classified and graded management of personal bank accounts.
The "Opinions" mentioned that it is necessary to make full use of existing bank accounts to prevent the difficulty of opening accounts from the root cause.
For example, instead of forcing customers to open new accounts in the bank, banks can use the accounts already opened by customers to pay wages across banks, and provide individuals with convenient services such as opening and replacement of cards in different places, reducing the need for individuals to study, work, and live in different places. Open a new account for other reasons.
At the same time, improve bank customer identification methods, optimize the account opening process in accordance with the "risk-based" principle, and review those who refuse to open an account; implement simple account opening services for small and micro enterprises, that is, make full use of the external valid data that has been obtained, cross-verify customer identities , reducing the requirement for customers to submit supporting materials.
In addition, establish a long-term mechanism for personal bank account services.
The comprehensive management of optimized services will be promoted from three aspects: improving the risk prevention and control capabilities of bank accounts, improving the assessment mechanism, and strengthening service supervision, and enhancing the bank's ability to optimize services.
Banks are required to earnestly assume the main responsibility of account service, and achieve a "double reduction" in the number of accounts involved and the number of complaints about difficulty in opening an account.
(Broker China)