Selling U arrives, card frozen in seconds! Unfreeze Strategy + Anti-Freeze Tips
Real Cases
Received a freeze text at 3 AM, the bank says to wait 72 hours or contact the police
During the freeze: unable to repay, cannot consume, may affect credit score
Unfreeze Process: Submit transaction records, ID proof, source of funds explanation (takes 3-15 days)
9 Iron Rules to Prevent Freezing Cards
1. Choose the Right Platform
Only use licensed major exchanges (Binance, OKX's 'Blue Shield Merchants')
Prefer merchants with 'T+1/T+2 arrival' (slow but safe)
Stay away from small exchanges and private OTC groups (high risk of dirty money)
2. Check Merchant Background
Consider only those with <100 transactions in the last 30 days (high frequency = high risk)
Avoid 'instant transaction' merchants (may be money laundering channels)
3. Bank Card Tips
Dedicated card: Get a 'Crypto Savings Card' (separate from salary/mortgage card)
Prefer local banks (rural commercial banks, urban commercial banks have looser risk controls)
4. Transaction Habits
≤3 transactions per day, ≤5 times per month
Single transaction >50,000 is safer (small amount frequent transactions are easy to be monitored)
5. Actions After Arrival
No instant transfers allowed!
Keep money in the card for 24 hours
Prefer ATM withdrawals or direct consumption (use transfers less)
6. Transaction Timing
Weekdays 9:00 AM - 6:00 PM (bank staff can handle exceptions)
Avoid trading at midnight/holidays
Lessons Learned
Using salary card to receive U → all cards frozen, mortgage overdue
3 days of small transactions → triggered anti-money laundering, card frozen for half a year
Trusting 'Blue Shield Merchants' → counterpart involved in fraud, resulting in joint freezing
Full Mnemonic
Platform must be licensed · Separate bank cards
Amounts should not be fragmented · Wait a day for funds to arrive
Check merchant records · Time during work hours
Emergency Handling
Immediately contact the bank after card freeze, submit platform transaction proof! Do not delete chat records!
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