Bank Card Level One Involvement Can the Penalty Be Lifted After Five Years? Can the List of Two Card Personnel Be Cleared? (Including Solutions)

Card disconnection punishment refers to the penalties imposed on individuals and related organizations who rent, lend, sell, or purchase bank accounts or payment accounts (Alipay, WeChat payment accounts), or who open bank accounts or payment accounts in someone else's name or by fabricating agency relationships, according to the regulations of the People's Bank of China, recognized by public security agencies above the district level. It is clear that this is a punishment imposed by the People's Bank of China.

According to the information reporting mechanism, card disconnection punishment is pushed to the Ministry of Public Security step by step after being recognized by the public security agency or decided by the court. The Ministry of Public Security then sends directives to the People's Bank of China, which issues overall control measures to all bank headquarters.

The card disconnection initiative began in October 2020, but after 2021, there has been little card disconnection punishment, replaced instead by two-card tags.

This is the document content and regulations, but in practice, many issues arise. The card disconnection is automatically restored after five years, but the control cannot be automatically lifted. Read this sentence carefully: credit punishment + you cannot find any corresponding department, and credit reporting systems cannot see it.

How to solve it:

First of all, card disconnection punishment is an administrative penalty, which refers to the punishment for violating the order of bank financial management by renting, lending, purchasing, or leasing bank and payment accounts. The public security agency and the People's Bank of China punish citizens who violate administrative management order by diminishing rights or increasing obligations.

There are indeed cases of false reports and erroneous determinations in card disconnection punishment, which undoubtedly mistakenly punished many who did not meet the standards and had never bought or sold bank accounts.

The application for lifting card disconnection punishment mainly includes the following:

(1) Administrative penalty actions have relativity. It is necessary to clarify which agency made the determination of the illegal act of card disconnection to identify the administrative subject accepting the appeal + (Difficulty 1, no one will tell you)

(2) Administrative penalties have the right to make statements and appeals, and it is required that the penalty be made clear when the facts are clear. If one disagrees with the administrative agency's penalty decision, they can request administrative reconsideration + even administrative litigation. If a penalty has been imposed and is clearly erroneous, an application can be made for revocation according to law (Difficulty 2, you do not understand relevant laws and regulations).

(3) Whether the card disconnection punishment meets the legal conditions. According to the regulations, punishment can only be implemented if the illegal actor has engaged in renting, lending, selling, or purchasing bank and payment accounts. If the legal conditions are not met, the punishment should be revoked (selling is generally subject to appeal).

(4) Whether there are unresolved issues related to the case. Cases involving two cards have surged. If your bank accounts or Alipay, WeChat, etc., were frozen due to receiving problematic funds and were left unattended, against the backdrop of the card disconnection initiative, there is a high likelihood of being identified as a dummy account holder and thus penalized.

(5) If you are indeed penalized for card disconnection due to being caught in a bad situation, the control period is five years, from 2020 to 2026. If the time has expired, write an "Application for Lifting Card Disconnection Punishment Upon Expiration of Control Period" and submit it to the unit that made the determination, allowing them to report it up the hierarchy.

Finally, there is also joint control, which is managed by the joint office.

This is how to solve risk control.

If you find it troublesome and need help, you can DM. Team Liu Shu has already assisted with many cases.

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