With the spread of electronic payments, bank cards have become an indispensable means of payment in our daily lives. However, sometimes bank cards are frozen and not available, which may cause us inconvenience. So, what happens when bank cards are frozen? What is the law about this

Legal provisions for the freezing of bank cards

I. Information on the freezing of bank cards

1. Hanging: When our bank card is lost or stolen, we need to lose it in time to avoid its exploitation by the outlaws. During the period when the bank card is lost, it will be frozen and will not be used properly。

2. Overdrafts: Overdrafts mean that we continue to use bank cards for payment if we exceed the credit lines of the bank cards. In such cases, banks have the right to freeze our bank cards in order to protect our interests and those of banks。

3. Suspected fraud: If we use a bank card to commit fraud, the bank has the power to freeze our bank card in order to prevent us from continuing to commit a crime。

II. Legal provisions for freezing bank cards

1. Regulations of the People ' s Republic of China on Banking Cards: The Regulations on Banking Cards specify the management and use of bank cards. Among them, article 9 provides that: “Bank cards shall strictly apply the regulatory regime for admission, approval, issuance, suspension and freezing.”

2. Criminal Law of the People ' s Republic of China: The freezing of bank cards is not a minor matter, and we face serious legal consequences if we use them to commit criminal activities such as fraud and theft. The Criminal Law of the People's Republic of China provides that: “For the purpose of illegal possession, the use of false or forged credit cards, balances, cheques, drafts, bonds, shares, insurance policies or other property securities shall be punishable by imprisonment for a term not exceeding three years or by detention, and by a single fine, if the circumstances are particularly serious, by imprisonment for a term not exceeding three years and not exceeding seven years and by a fine”。

III. How can the freezing of bank cards be avoided

1. Secure custody of bank cards: In order to avoid the theft or loss of bank cards, which are vulnerable to theft by outlaws, we should keep the cards in safe custody and hang them in a timely manner。

2. Caution in the use of bank cards: Do not hand them over to unfamiliar persons or use them in unsafe environments. Moreover, we should be careful to purchase unreliable goods or services and not trust the commitment of strangers in order to avoid involvement in illegal activities such as fraud。