suddenly has a restricted bank card, and you can only transfer money or spend 1,000 yuan a day. In addition, if the bank card is lost and reissues, it will not only be subject to cross-examination, but may also be downgraded. Why have there been so many levels of bank deposit and withdrawal freedom so far? What's going on? Maybe you will understand something after reading it.
Since April this year, many netizens have reported that their bank cards have been inexplicably restricted, and the maximum online daily rating is 1,000 yuan. This has brought some trouble to the lives of some friends.
The problem of rural banks being unable to withdraw money on the Internet has not been solved, which has made many depositors worried about the security of their deposits. Nowadays, many banks will have limited withdrawals, transfer payment and other operations, which makes more people wonder whether it is appropriate to deposit money in the bank?
Why is bank withdrawal transfer limited? Which banks will limit the quota?
According to the provisions of the Bank Savings Management Regulations, depositors are free of voluntary deposits, so the statement that bank withdrawals and transfers are restricted is one-sided. There is no limit on withdrawing money at the bank counter, but you need to make an appointment in advance for withdrawals of more than 50,000 yuan.
Bank has imposed certain restrictions on online business (personal online banking and mobile banking transfer limit, online payment transaction limit, online transfer limit, etc.).
. The banks that are restricted in this situation are all banks across the country, and this is also a campaign to cooperate with the public security organs to combat telecommunications fraud under the requirements of regulatory authorities.
However, these operational restrictions on withdrawal and transfer by banks are not targeted to everyone. Relevant units designed a data model to prevent telecom fraud , and match the corresponding quota based on the historical transaction habits of the user name under the data model.
This means that some people operate online transfers and other services with a daily limit of 1,000 yuan, while others have a daily limit of 1,000 yuan. This is the result obtained based on the analysis of the data model.
Bank also stated that if depositors do not use their bank card for a long time, they may find that there are certain amount requirements for online transfer or payment of their bank card. If you encounter such a situation and need money urgently, you can use your bank card to go through the withdrawal procedures at the counter. If customers whose bank card is restricted, they need to provide corresponding real estate certificates, car certificates, etc. to provide relevant supporting documents at the counter to apply for the increase.
When you go to the bank to reissue a bank card, you will be asked and checked in various ways, and you will even downgrade the bank card
In addition to the limit on the bank card, many netizens also reported that if the bank card is lost and you want to reissue a bank card at the bank, it is very complicated and cumbersome.
Netizens said that their bank card was lost. When they went to the bank to reissue it, the bank staff asked a lot of questions: Do you have a work unit and do you have a provident fund bank card? Are you using it yourself?
The most annoying thing is that after this series of interrogations, the bank staff said slowly: Since you are replacing the card, it is equivalent to applying for a new bank card again. You need to reduce your card from a Class I card to a Class II card. The daily limit for online operations such as WeChat, Alipay , bank cards, etc. is 2,000 yuan.
When netizens asked the staff how to upgrade their bank card to a first-class card. The bank staff asked if there was a credit card.
Netizens said they do not have the bank's credit card. The bank staff at
also said that it doesn’t matter if you don’t have a credit card. As long as your deposit amount reaches a certain amount, you can directly upgrade to a category.
Some netizens said that this is a serious violation of regulations. Citizens have deposits and withdrawals, and free banks should not restrict daily withdrawals and transfers and other online operations.
And some netizens also said that they went to the bank to reissue the lost bank card, but they did not reopen the card, and they did not do any illegal or criminal activities. Why should they reduce their original card from one to two?
You should know that Class I cards can be said to be full-function account bank cards, and there are no restrictions in any way, but for Class II cards, it is a castrated version of a bank card, and many businesses cannot be operated.
, so this arouses doubts and anger among netizens. What is the significance of
bank card limit, reissue and interrogate the card?
In fact, the reason why banks have these actions is actually related to the implementation of each bank. Some banks can grasp this scale well, but some banks are taking advantage of the situation as a warning. As long as they do things, they will make things difficult for you.
In fact, as early as October 10, 2020, the State Council held an inter-ministerial joint meeting on combating and controlling telecommunications and new types of online crimes. At the meeting, it decided to carry out a "card cut-off" action nationwide to combat and punish the opening and sale of telephone cards and bank card illegal criminal gangs as the main content.
According to the requirements of the "card-breaking" action, bank payment institution needs to clean up users who have been immovable for a long time, and corresponding restrictions must be implemented for users who frequently report losses of multiple cards by one person and replace cards with abnormal bank card users.
card cut action is to prevent telecommunications fraud. Although it may cause some trouble for some depositors to deposit and withdraw money, withdrawing money at the counter is completely unrestricted, and the freedom of deposit and withdrawing money is guaranteed.
In fact, the development of this card cut operation was released at the end of last year. We can know that this time, the bank payment institution cleared out long-term non-moving accounts, one person has more than one card, and frequently reported losses and reissue card replacement, with a total of 1.48 billion abnormal bank cards. According to the clues of the accounts involved in the case transferred by the public security organs, commercial bank payment institutions were organized to investigate the accounts involved and related accounts one by one, terminated a large number of fraud-related accounts, strictly investigated the problems of fraud-related violations in the payment field, and conducted special inspections on more than 1,300 commercial banks and payment institutions. Moreover, according to data from the public security organs, the crime of online fraud has dropped significantly.
is written later
For us depositors, as long as your bank card usage habit is relatively normal, you will not restrict your bank card in general.
, and banks have always guaranteed the freedom of depositors to deposit and withdraw money. Although online operations will limit the daily limit, there is no limit on withdrawing money offline if there is a need.
As for the frequent interrogation and downgrade of card replacement, it depends on the implementation standards of each bank. After all, there are more than 4,000 banks across the country, and it is inevitable that some bank staff will not grasp the standards well, which will cause a particularly bad experience to depositors.
However, we still need to support the country's card cut-off operation. Illegal and criminal activities such as online fraud, as well as money laundering and other operations involved in bank cards, are likely to be trafficking in women, trafficking in children, drug trafficking, fraud, etc. These are closely related to the stability of society and the happiness of the people.
Finally, it is necessary to remind you not to sell it for small profits, rent and lend your own bank card and phone card, so as to avoid becoming an accomplice of criminals.
Also, bank deposits and withdrawals have always been free. You can go to the bank counter to handle withdrawal services with relevant documents. For operations that exceed 50,000 yuan, you need to make an appointment in advance. Not as the Internet says: there are restrictions on withdrawals. This restriction is only for online payment, transfer, withdrawal and withdrawal, etc.
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