The freezing of the bank card was purely an "accidental injury". How to explain to the police how to unfreeze it?

Case Analysis

If A commits information network fraud against B, and there is a normal transaction between A and C Payment. At this time, A told B to transfer the money to the account of bank card A (cardholder C), and then the money in bank card A was transferred to the account of bank card B (cardholder D) for other reasons. When the public security organs prepare to track down the perpetrators of fraud crimes, bank card A and bank card B will be frozen.

This is a situation we often see. For the cardholders of Bank Card A and Bank Card B, having their bank cards frozen is a sudden and "unprovoked" thing. At this time, cardholders C and D will feel that their bank cards have been "accidentally damaged".

There are many similar situations.

The card owner occasionally buys and sells some USDT (Tether currency), which is equivalent to a hobby. Once when he was making a purchase, shortly after receiving the payment from the buyer, the bank card used to receive the payment was frozen. The reason is that there is something wrong with the money that was brought in.

The card owner is engaged in foreign trade business. He received some problematic funds during transactions and his bank card was frozen.

In addition, some card owners lent their bank cards to others by chance. Because others used them improperly, the bank cards received the funds involved and their bank cards were frozen.

In addition to the above situations, there is also a special reminder for card owners who participate in online gambling. Although netizens have no way of verifying the source of cash withdrawals from such platforms, online gambling itself is a behavior that is cracked down by laws and regulations. Cash withdrawals from online gambling platforms are once the funds involved. After the card owner's bank card is frozen, it is difficult to claim his legal rights to the funds.

It can be seen from these examples that the situation where the bank card is frozen due to "accidental damage" means that the cardholder has no illegal or criminal behavior and has no intention to participate in illegal or criminal activities. In life and daily activities, bank cards are frozen due to external reasons such as other people's illegal behavior.

In this case, no matter what the reason is for the card owner’s bank card to receive the funds involved, the card owner has no knowledge and no way of knowing the criminal facts related to these transactions. He is just a bearer. The person who "takes the blame" for adverse consequences.

Is being frozen purely a "accidental injury"?

1. Several things that generally need to be explained

So, if our bank card is frozen purely by accident, the How to unfreeze it and how to explain it to the police?

If the card owner wants to unfreeze, he needs to prepare a description of the situation that has both commonality and individuality. Let’s share some common points first.

First of all, the card owner needs to explain his basic situation. The first is to explain the identity information, including name, ID number, contact information, etc. The second is to explain the bank card information and freezing situation, including bank card number, account opening bank, when it was discovered that it was frozen, and the amount of money in the bank card.

Secondly, the card owner needs to explain what he/she knows, about the reasons and circumstances of the inflows and outflows of the funds involved, the identity of the counterparty, the relationship between himself and the counterparty, etc.

In addition, it is best for the card owner to provide a brief description of his job and source of income to prove legitimacy.

2. Key points that need to be explained in different situations

In addition to the common explanation points mentioned above, the card owner whose bank card was "accidentally injured" When thawing, you should also explain your specific situation. For freezes caused by different reasons, the focus of the explanation is different, and the accompanying evidence materials are also different. Let’s give some examples below.

If the card owner has his bank card frozen for selling USDT (Tether), it is necessary to explain: whether it is an on-exchange transaction or an over-the-counter transaction, how to contact the buyer, and how to contact the buyer. The family’s identity information and known circumstances, etc.

If the bank card is blocked because the bank card is used by others, need to explain: the reason why the other party borrowed the bank card, our relationship with the other party, and our subsequent use of the bank card understanding, the amount involved, etc.

If the bank card is frozen due to foreign trade business transactions, it is necessary to explain: the identity information of the counterparty, company information, the content of the transaction (contract), the actual transaction process, such as goods, transportation time, etc.

If the card owner participates in online gambling and withdraws cash on the platform and his bank card is frozen, as mentioned above, we ourselves also have factors that do not comply with the law. If the frozen bank card has a relatively important impact on the card owner's work and life, or if there is a large balance in the card in addition to the funds involved, it needs to be unfrozen. It is recommended to consult a professional for evaluation before contacting the police for explanation. At the same time, card owners should also be aware of the dangers of online gambling and take the initiative to stay away.

Summary

In short, if the card owner does not commit any crime subjectively or objectively, but the bank card is "accidentally damaged" by the public security agency due to other people's reasons, Although the card is frozen and confused, the card owner also needs to actively prepare to unfreeze it so as not to affect his normal life.