A friend who has worked in the banking industry for ten years tells me how to avoid having your card frozen:
1. After you withdraw funds, meaning once someone transfers money to your bank card, do not immediately transfer it out or use it. This may trigger the bank's risk control, and the bank may view it as you engaging in fraudulent activities.
2. It is best to avoid transferring money on non-working days, specifically it is advisable to avoid frequent transfers at night, as this may be captured by the bank's risk control system and viewed as online gambling.
3. When withdrawing funds, it is best to find a fixed merchant and use a company account. It's also better to fix the timing, for example, on the 15th of each month or at the end of each month, as the bank will consider this as salary income.
4. If you frequently switch merchants and make large transactions, your account may be frozen for a long time. For small amounts, providing evidence can lead to unfreezing within 2-3 working days; if no evidence is provided, it may take 7 working days to unfreeze.
5. Additionally, when transferring, do not test with small amounts after the transfer. For instance, after someone transfers money, do not try to transfer a small amount (less than 100) to WeChat or Alipay as a test.
6. If your account is frozen, go to the corresponding counter with your ID and bank card to handle the unfreezing process, and be sure to clearly explain any accounts with unclear sources.
In summary, I wish everyone a prosperous and fruitful experience.