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您的银行卡有曾被冻结过吗？

发表时间：2022-11-09 18:07作者：Echo

We all know that bank cards are an important tool to pay and access money in our life. At the same time, bank cards are divided into three types, and each type is different. Today we will talk about the classification of bank cards.

我们都知道银行卡是我们生活中重要的支付和存取金钱的工具，同时银行卡又分为三类，每一类的功能和使用方式又有所不同，今天我们就来聊聊银行卡的分类。

(1)Debit card:

Debit card commonly known as a savings card. Debit card is to point to card issuing bank to issue to card holder, do not have credit limit, cardholder deposit first, the bank card that uses after, deposit has interest. The functions of the debit card include transfer and settlement, cash deposit, shopping and consumption and other basic functions.

It also adds many functions, such as money transfer, buying and selling funds, stock speculation and payment, and also provides a large number of value-added services. Debit card also can transfer account and withdraw money through ATM, cannot overdraw, the amount inside the account calculates and pays interest according to current deposit.

The debit card is our verbal savings card. Both point to the same thing, but we are used to call the savings card in our life, which is named from the perspective of the cardholder savings and finance, and the debit card from the perspective of the bank expenditure record.

借记卡：俗称储蓄卡

借记卡是指发卡银行向持卡人签发的，没有信用额度，持卡人先存款、后使用的银行卡，存款有利息。

借记卡的功能包括转账结算、存取现金、购物消费等基本功能。它还附加了转账、买卖基金、炒股、缴费等众多功能，还提供了大量增值服务。借记卡也可以通过ATM转帐和提款，不能透支，帐户内的金额按活期存款计付利息。

借记卡就是我们口头说的储蓄卡。两者指向同一样东西，只是我们生活中习惯称储蓄卡，这是站在持卡人储蓄理财的角度的命名，而借记卡在从银行支出记录的角度的称呼

(2)Credit card:

It is a credit card issued by a commercial bank or a credit card company, the applicant's credit degree and repayment ability should be understood to decide whether to issue the card and how much available amount. After the cardholder activates the card, he can consume within the credit limit and then repay.

Credit cards are usually used in two ways: credit card consumption, cash withdrawal or installment. Credit card holders independently decide whether to use it within the available limit. Therefore, a credit card can be understood as a credit contract between the bank and the cardholder, which is a relatively simple credit service.

Credit card, has the following characteristics: do not encourage cash deposit in advance, consumption before repayment, enjoy interest-free payment period, can independently installment repayment (with the minimum repayment amount), join VISA, MASTER and other international credit card organizations for global use.

贷记卡：就是信用卡

由商业银行或信用卡公司发给申请人，发卡之前要了解申请人的信用程度和还款能力，以决定是否发卡和给予多少可用额度。持卡人激活卡片后，可在信用额度内先消费后还款。信用卡通常有两种使用方式：刷卡消费、取现或分期。信用卡持卡人在可用额度范围内自行决定是否使用。因此，信用卡可以被理解成银行与持卡人之间的授信合同，是一种相对简单的信贷服务。信用卡，具有以下特点：不鼓励预存现金，先消费后还款，享有免息缴款期，可自主分期还款（有最低还款额），加入VISA，MASTER等国际信用卡组织以便全球通用。

(3)Joint card

Co-branded card is a bank card subsidiary product issued by commercial banks with for-profit institutions / non-profit institutions. Common credit card co-branded cards are more, such as the co-branded card of the major airlines, the Wal-Mart card of the Bank of Communications, Jingdong small white card, etc., generally there will be more in the co-branded institutions to use more preferential activities.

联名卡

联名卡是商业银行与盈利性机构／非盈利机构合作发行的银行卡附属产品。常见的信用卡联名卡比较多，比如各大航空公司的联名卡，交行的沃尔玛卡，京东小白卡等等，一般在联名机构使用会有更多的优惠活动。

(4)Special card

Special cards are debit cards with special use and use in a specific area. With the function of transfer settlement, deposit and withdrawal, the special purpose refers to the use outside the department stores, catering, restaurants and entertainment industries.

专用卡

专用卡是具有专门用途，在特定区域使用的借记卡。具转账结算、存取现金功能，专门用途是指在百货、餐饮、饭店、娱乐行业以外的用途。

Class I accounts: It is we usually the most common, but also the most commonly used a kind of card, with all the functions of the bank card, the amount is not limited.

一类账户：

就是我们平时最常见，也是最常使用的一种卡，具备银行卡所有功能，金额也没有限制。

Class II accounts: The cumulative maximum limit of daily transfer and transfer of class II cards is 10,000 yuan, the cumulative maximum limit of annual transfer is 200,000 yuan, and some businesses of some banks are limited.

二类账户：

二类卡每日转入和转出的累计上限是1万元，全年转入转出的累计上限是20万元，部分银行部分业务受限。

Class III accounts:: The limit of the three types of cards is more, is specially used for a small amount of consumption of the card, the electronic account limit amount of 1,000 yuan.

三类账户：

三类卡的限制就更多一些，是专门用来小额度消费的卡，电子账户限制金额1000元。

Class I cards and Class II cards are physical cards, while Class III cards are virtual cards.

一类卡、二类卡是实体卡，而三类卡是虚拟卡。

From December 1,2016, the same person can only open one class one household in the same bank, has opened one class one household, and can only open a class two or class III household, and only one class III household in the same payment institution.

从2016年12月1日起，同一个人在同一家银行只能开立一个一类户，已开立一类户，再新开账户的，只能开立二类户或三类户，在同一家支付机构只能开立一个三类户。

With the development of the national card breaking action, some users found that their bank cards appeared temporary freezing or non-counter transactions, in fact, the truth is very simple, this is nothing more than triggered the bank's risk control system, today to introduce the bank card trigger risk control system for several reasons and processing methods.

随着国家断卡行动的开展，部分用户发现自己的银行卡出现了临时冻结或者非柜面交易的情况，其实道理很简单，这无非就是触发了银行的风控系统，今天给大家介绍下银行卡触发风控系统的几种原因和处理的方法。

Category one:

Bank card freeze payment, only in and not out, and it is judicial freeze (or be frozen by criminal investigation organs). This is one of the most serious ways of freezing, and the most fundamental reason for this situation is that the bank card entry and exit account involves a certain criminal case.

The economy and the card had transfer records or three generations of key transactions. If this kind of card needs to be thawed, the party concerned needs to provide some materials to the corresponding freezing organ to prove that the card is used normally, and can be thawed at the end of the case, but this process takes a certain amount of time.

第一类，银行卡冻结支付，只进不出，而且是司法冻结（或被刑侦机关冻结）。

这是最严重的一种冻结方式，出现这种情况最根本的原因就是银行卡的进出账涉及到了某一项刑事案件。而该案件的经济和此卡有过转账记录或者三代关键交易记录。此类卡如果需要解冻，需要当事人提供部分材料到相应的冻结机关，证明此卡是本人正常使用，案件结束即可解冻，只是这一过程需要一定的时间。

Category two:

Bank card non-counter transaction. This situation is the bank internal risk control system, detected this card transaction is too frequent, or the transaction volume is too large. Users who hold this card can only go in and out, which limits the fast payment and mobile banking transfer.

Users can only withdraw cash to the corresponding bank counter, or provide the corresponding proof. This card transfer is a substantive and normal use, and can only be unfrozen. But almost appear this kind of situation the bank is to let the user undertake cancel to withdraw cash, must not apply for the deposit card of this bank within 5 years.

第二类，银行卡非柜面交易。

此种情况是银行内部风控系统、检测到此卡交易过于频繁、或者交易量过大。对持有此卡的用户进行只进不出，限制了快捷支付和手机银行转账，只能用户到相应的银行柜台进行取现操作，或者提供相应的证明，此卡转账属于实质性的正常使用、方可解冻。但是几乎出现这类情况银行都是让用户进行注销取现，5年内不得办理此银行的储蓄卡。

Category three:

The bank card temporary lock. Almost every bank will have this function. When the user logs in to mobile banking or bank ATM for cash withdrawal, with several consecutive payment password or login password errors, they will lock this card, and they need to hold a valid ID card, to the corresponding bank counter to unlock. This kind of way is relatively simple, just to protect the user bank card safe use.

第三类，银行卡临时锁定。

几乎每一家银行都会有这个功能，当用户登录手机银行或者是银行ATM取现时，连续出现几次支付密码或者登录密码错误，就会对此卡进行锁定，需要本人持有效身份证件，到相应的银行柜台进行解锁。此类方式比较简单，只是保护用户银行卡安全使用。

Category four:

The user bank card temporary loss reporting. When the user forgets or loses his savings card, in order to secure the funds, you can call the bank customer service on the temporary report of the loss, after the loss of the card can not be used, can only hold a valid identity card to the bank counter to unlock,then the card can work again.

第四类，用户银行卡临时挂失。

当用户遗忘或者丢失自己的储蓄卡的时候，为了资金安全，可以通过打电话去银行客服进行临时挂失，挂失后的卡将不能使用，只能本人持有效的身份证件去银行柜台解锁，方可使用。

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