Most lawyers cannot explain the underlying logic of bank card-related freezes clearly!

Today, let's talk about the underlying logic of your bank card freeze, why your account is frozen, what nature caused the freeze, how difficult it is to handle, whether you will be penalized, and this article will tell you.

In this circle, there are only a few scenarios for bank card freezes:

• Network gambling withdrawals involving fraud
• Network gambling task force
• Retailers selling USDT
• Coin dealers selling USDT
• Loan fraud with fake transaction records
• Foreign exchange
• Cross-border trade payments for online part-time jobs
• Protective stop payment for accounts involved in fraud

Let's start with the first one, network gambling withdrawals involving fraud. Generally, when the platform deducts points from your account, they will not directly make payments to you because they do not have so many accounts to store and pay money. Therefore, the platform will outsource the function of deducting and adding points to a third party or establish an independent department.

When this department makes payments directly to you, they do not make a profit. This is where the department directly connects with telecommunications fraud groups. When you withdraw, your card number is linked to the platform. At this point, the platform will provide your card number to the telecommunications fraud group, and the fraudsters will use your card number to receive funds from telecommunications fraud victims. You receive the money, thinking it is from the platform for deducting points, but in reality, it is funds from telecommunications fraud victims.

When the victims discover the fraud and report it to the police, your account will be frozen. Then the freeze will be reported to the anti-fraud big data platform, which will be sent to the public security bureau where the card was issued. They will either penalize you or exclude you from suspicion of involvement in the case.

Do not try to provide fake evidence for game equipment transactions. The things those "teachers" teach you online are just excuses. Uncle can see through it at a glance. Your behavior is just asking for trouble. The only thing that can be explained clearly is to tell the truth. Uncle is investigating fraud cases, not your gambling behavior. Many people are afraid of this, but in this situation, you will not receive a call about the freeze.

If your card is frozen in another location and you receive a call from the public security bureau in the place where the card was issued (your place of household registration), it is a very serious first-level involvement in the case. This may lead to being put on the list for punitive measures (two-card system).

The initial freezing of bank cards in online gambling cases is because the platform's (database) security was compromised, but it was not the public security bureau that compromised it. There are specialized data companies (technical investigation companies) that negotiate with the public security bureau to determine jurisdiction, and then they can detain several local gamblers. After that, the entire platform can be investigated.

This is not a case of discovering and then taking action. It is a case of being compromised first and then taking action. Most so-called "unfreezing" lawyers or answerers do not understand this logic and provide incorrect information. In fact, it is just their own imagination. Please be careful in identifying these people if you need their help. You can also read more of my articles to learn. If you disagree, I also provide a "dispute service," but please do not make up stories to deceive people.

After the case is established, the freezing does not happen immediately. It will be done by associating the flow of funds from gamblers with a batch of suspected gambling cards, and then continue to investigate and penetrate multiple layers of funds to identify the gambling cards before freezing them in batches. If all gamblers are frozen, it means they were involved in significant activities, or the threshold for freezing was triggered due to being identified as gambling cards. That's why they were frozen.

After being frozen for suspected criminal activities, even if it is said to be online gambling, the place of freezing does not have jurisdiction over gambling, but they can recover the gambling funds from the gambling platform. In some places, they may even recover the recharged funds. This is called recovering illegal gains, and it is legal.

In some regions, they may freeze the total amount of your deposits and withdrawals, but you can raise objections when handling it. The police will print out the flow of funds from your withdrawals for you to confirm.

If you do not handle it, it will reach the stage of judgment and deduction in court. This is the underlying logic of bank card freezes in online gambling cases. In this situation, you will likely receive a notification by SMS or in paper form.

For retail investors who usually sell USDT on exchanges, if the coin dealer and the payer on the exchange are the same person, there will not be a big issue. It is likely to be a second or third-level involvement in the case. In this case, you will not be penalized, and you can appeal as a good-faith recipient. You may not have to refund the money, or you can seek compensation from the coin dealer for the loss.

The logic behind freezing the card is that the coin dealer sold USDT without conducting fund audits, received fraudulent funds, and then when you placed an order on the exchange, the coin dealer transferred these funds to you, resulting in the coin dealer being frozen. If the coin dealer's card has no money, it is possible that the coin dealer's card will not be frozen, but your account will be frozen based on the flow of funds. When you approach the coin dealer, they will tell you that their card is fine and ask you to bear the loss yourself.

For novice retail investors selling U on exchanges, a situation may arise where after you place an order, the coin dealer contacts you by phone, saying that their card has a limit and asks to use a family member's card to make the payment. Then they will provide a link to a different coin dealer's account for the transaction. The moment you provide your card number, the coin dealer will provide your account to the telecommunications fraud group, allowing the fraudsters to have the victims transfer funds to you. As a result, you receive funds from fraudulent activities, and the next day you find your account frozen, and the coin dealer's account is no longer in use.

The profit margin for this is over 55%. They use the WeChat accounts, phone numbers, and coin dealer accounts they obtained through deception to contact you, and they can recoup their investment with just one transaction.

The underlying logic of being scammed with loan fraud involving fake transaction records is that the scammers provide the account to the telecommunications fraud group to conduct fraudulent activities. All the funds you receive are directly related to telecommunications fraud, as the victims transfer funds to you, and you transfer them to others.

The main purpose is to use your bank account for fraudulent activities. It is difficult to obtain evidence online, but in most cases where there are face-to-face meetings, the victims will hand over their cards or phones to the scammers for operation, and they will also withdraw cash in person. This constitutes lending, concealing, or assisting in fraud.

This has evolved into recruiting students for part-time jobs, online part-time jobs (financial cashier), cash transactions at flower shops, having couriers pick up goods after making payments at phone shops, the second-hand mortgage car industry, buying equipment in online games, and extortion in adult content chats. When they cannot extort money from you, they will ask you to provide your bank card for fraudulent activities.

The same pattern applies to foreign exchange transactions. Many people working or studying abroad exchange foreign currency for RMB through intermediaries who either do not understand or intentionally set up the transaction. The intermediary will give the foreign currency to a money changer, who will exchange it directly without much difference in exchange rates. However, they will connect with the telecommunications fraud group, and the profit margin starts at 55%. The funds will be directly transferred to the bank account of your family member in China, and as a result, the account will be frozen.

The path for cross-border trade payments for foreign trade businesses is similar. Foreign customers bring foreign currency to a money changer, who connects with the fraud group and transfers the telecommunications fraud funds to the bank account of the domestic business, resulting in the account being frozen.

Online part-time jobs can be understood as directly conducting fraudulent activities. The only situation without problems is when you make payments to others, and the recipient's account has been flagged for risk control, resulting in a protective freeze.

To be honest, the power of protective stop payment is no less than that of punitive measures for card suspension. In fact, it is a smaller version of a five-year card suspension, with a control period of one month (30-32 days).

All bank account controls cannot be used, and even WeChat Pay and Alipay are not allowed for serious cases. Credit cards can still be used, but most stores now do not have POS machines.

As long as you engage in online gambling, purchase virtual currency, purchase VPNs, participate in website blind boxes, engage in certain low-quality online games, adult content chats, or online poker, and the funds are transferred to a monitored account involved in fraud, the local public security bureau in your hometown will contact you within a few minutes.

This is called anti-fraud warning: the police must meet with you within 24 hours.

So, understand this point clearly. No matter where you are, the police must meet with you. This way, you can understand why the police are visiting you, right?

They will call you first. At this point, many victims' phones are unreachable, so the police will visit in person or contact your workplace or relatives.

You say you are not in your hometown? It doesn't matter. As long as you can be contacted, the anti-fraud center in your current location (workplace) will contact you and ask you to go to the nearest police station to make a statement within 24 hours.

After the anti-fraud center in your current location (workplace) contacts you, they will ask you to go to the nearest police station to make a statement, and then you need to explain what happened. At this point, just tell the truth. The police know your situation better than you do. Then the police will provide you with anti-fraud publicity materials. Don't argue with them, just listen patiently.

After all, they are not easy. It's just because you are in their jurisdiction, which has nothing to do with them.

If you have been scammed, or if the situation is not as it seems, you must tell the truth, provide the other party's transfer records, bank account numbers, and other information, and the police at the anti-fraud center will ask you to take a photo of the case receipt to prove that you have been to the police station.

The only thing you can do is to get the case receipt, understand the name and badge number of the handling police officer, and patiently wait for all your bank accounts to be controlled for one month.

This is the underlying logic of all bank card freezes. Only by knowing the reasons can you understand what you have done and how to resolve it, so that you will not claim to be a victim. Among these conditions, only the behavior of retail investors selling U with real-name receipts is considered a good-faith receipt.

For all other situations, you will need to refund the funds involved in the case, and you can seek compensation from your upstream. What I am researching is how to sue downstream for unjust enrichment after transferring the money in loan fraud cases, which is also a huge market.

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