The World Cup has led to serious issues with non-counter transactions of bank cards (the same applies to withdrawals). Here, I will explain the principles and solutions.

Limitations on non-counter transactions

Limitations on non-counter transactions refer to actions taken by banks or other financial institutions to restrict clients from conducting transactions outside of counter services. These restrictions may include limiting the amount of transfers, limiting the number of transfers, and limiting the transfer recipients, among others.

These restrictions aim to protect the safety of clients' funds and prevent malicious individuals from exploiting non-counter transactions for fraud and other illegal activities.

Generally referred to as non-counter, this means suspending non-counter transaction services. It implies that the bank's data model has detected your unusual behavior, sifted by big data. They will not investigate you; in the year, 345,426,000,000 transactions occur with bank cards in the country, with about one billion transactions daily. The bank has a very complex anti-money laundering algorithm, which may issue alerts for tens of thousands of transactions daily.

Big Data Early Warning Processing Mechanism

The tens of thousands of transactions will be reported, but the vast majority will merely be reported; checking each one is impossible and unrealistic. Most of these tens of thousands of transactions are also legitimate.

How to properly respond to bank risk control?

If you encounter a control situation, it is definitely due to anomalies in your transaction flow. Many half-informed lawyers tell you that resolving bank risk control is simple; just bring a statement of your transaction flow, and it will be resolved. Can I explain my transaction flow, and the bank still enforce risk control on me? Isn't that nonsense? Who reading this can clearly explain bank transaction flows? You must first understand the underlying logic behind the control, and then you can avoid your card being subjected to risk control. There are several key points:

• First: Try not to make transactions too early or too late; don't rush in and out. If the funds have been credited and you are not in a hurry, make sure to leave it overnight for it to be considered valid flow (very important);

• Second: Do not have significant amounts of transactions in and out on the same card. If you have several cards, try to use them separately to reduce the usage frequency of a single card;

• Third: If you need to repay loans or credit cards, try to use your own account for repayments (banks restrict repayments from accounts not in the same name);

• Fourth: Bind your savings card to third-party quick payment methods like WeChat, Alipay, and JD.com. Use them for consumption to increase diversified spending (banks really like this);

• Fifth: Transfer about 10-100 yuan daily using your savings card to WeChat Pay or Alipay (enable scheduled transfers). If you have multiple cards, set different cards for transfers daily (to increase diversified spending) or use fund investment functions. This way, you won’t need to test which bank card has not been frozen; you will always know the status of each card. This operation is generally carried out by currency merchants, which also avoids small test payments before large deposits;

• Sixth: Write down remarks for every income or expense, and keep corresponding supporting documents. Absolutely do not accept any funds from strangers, and ensure to include remarks when transferring to strangers;

• Seventh: Do not link salary cards or mortgage cards (important cards) with other cards, and avoid binding to any unknown apps.

The Authority of a Bank Vice President

Sometimes bank vice presidents and risk control managers can be quite authoritative; they might disregard you if they don’t like you and directly send you to a fraud center for stamping. Many people do not understand and foolishly run to the fraud center, only to find that they cannot even get in, as the fraud center does not accept private business. This is just the bank passing you around.

Stamping Process at the Fraud Center

The stamping process at the fraud center is as follows: you ask the bank to issue a "Fraud Risk Account Review Form," which the bank must provide. However, they will not give it to you; rather, staff from the bank coordinate with the fraud center to send it in a public-to-public manner or deliver it with you.

Review Process at the Fraud Center

Bank staff take the form and accompany you to the fraud center. After the staff review your transaction flow, they create records, check whether you have any illegal activities, and sign and stamp to suggest whether or not to lift the restrictions.

Conditions for Lifting Non-Counter Control

With the stamped and approved "Fraud Risk Account Review Form," the bank can lift the restrictions for you. Therefore, non-counter merely indicates anomalies in your bank card transaction flow, or if the card has already been proactively unblocked after being frozen, lifting the non-counter restriction by the bank is relatively easy.

Common Misunderstandings

A common misunderstanding among peers is that you must lift the restrictions, or that your identity information is not under control before using the "Fraud Risk Account Review Form" to remove controls from your account, rather than just following this process after being listed on a dual card list. This form only lifts account restrictions, not those on your identity information.

Steps to Take After Being Frozen

When you find that your bank card has been limited, you should ask the bank (the account-opening bank or any bank branch) for information as soon as possible, including the freeze documentation number, freezing unit, freezing time, contact information, etc., to be well prepared for lifting the restrictions. This information the bank must provide to you, and it is not necessary to only ask the account-opening bank; any counter must inform you.

What to Do About Judicial Freezing from a Different Location?

Judicial freezing is mainly when involved funds flow into the card. Common scenarios include online gambling, buying and selling virtual currencies, online transactions, and loan swindles.

In summary, if a victim's money flows into your card, they will report it, leading to a freeze. Initially, this is a temporary stop payment for three days, during which an investigation will verify if the funds actually flowed in. It then transitions to a formal freeze, with a freeze period of six months, which can be renewed upon expiry.

Each fund corresponds to a different freezing authority; if your bank card is frozen by multiple law enforcement agencies, then multiple involved funds have entered your account.

In such cases, whether you should promptly cooperate with the investigation and apply to lift the card freeze depends on the facts of the case, whether you were knowingly involved, or if you were tricked into loan laundering, or attempting to evade taxes for a streamer. Each situation must be assessed individually. Some illegal actions (like online gambling) often require returning the involved amounts to lift the freeze. After unfreezing, it is essential to obtain a certificate stating no involvement.

For some criminal behaviors, there are individuals who were aware and still engaged, mainly aiming to make profits. In such cases, even if the involved amounts are returned, there is still a risk of facing criminal penalties.

If you encounter a judicial freeze on your card, do not delay; actively resolve it as soon as possible. The best scenario is to resolve it before collaboration requests are sent out.

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