Also talk about HSBC The recent case of that brother goes through the following process: black money secondary account=>judicial freeze=>bank account closure after unfreezing=>local account closure global account closure=>several thousand Hong Kong dollars of credit card points RC are also not recognized by the bank judicial freeze I would say that there is nothing worth roast about. Friends who have been frozen by the judiciary know that even if you get the money in good faith and even return the stolen money that is not your responsibility, it is not easy to unfreeze the account involved in the case. It is still possible for the public security in other regions to freeze the account again. This is because the superior account for OTC withdrawals is likely to involve more than one case. If there are new victims reporting, there is a possibility of a second judicial freeze, and even the possibility of being frozen by more than ten different regional public security judicial agencies in rotation. Accounts that are simultaneously frozen by the judiciary are more likely to appear on the account closure list submitted to the bank by anti fraud agencies, regardless of whether the judicial freeze has been unfrozen or not. So if you are frozen by the judiciary and communicate with the police to prove that you obtained it in good faith, whether it is a goodwill refund or encountering a kind-hearted police officer who unfrozen it for you, the first thing you should do is to cancel this bank account. ——Because you do not cancel, public security in other regions may still freeze your account again, and banks may also close their accounts due to risk control/anti fraud instructions received. One place closure, global closure It's actually quite fair because rights and obligations are equal. For example, if you run HSBC in the United States, there are actually high KYC requirements for bank account opening under the Patriot Act. Most banks do not allow NRA to open accounts online to avoid risks (although there is no legal prohibition). I can open a backdoor account for you because you are outstanding in other regions. If you are no longer outstanding, it is also reasonable to close the risk control as a global bank. RC This is a rather sympathetic point, after all, it is hard-earned credit card points, and thousands of RC can be exchanged for a good long-distance business class flight. But ultimately, this is a centralized air paper printed by the bank itself, and all interpretation rights lie with the issuer of the points. In this regard, whether it is other banks (such as AMEX/Chase) or hotel frequent travelers (such as Hyatt Points), the processing of account closure points is not bad. It can only be said that enjoying the moment and rescuing in a timely manner. HSBC's greatest value As a bank, HSBC is a very junk bank, with the exchange rate being the worst among banks in Hong Kong. A 0.5% -1% drop is normal, and a 1-2 point cut on sales products is normal. The risk control sensitivity is also very serious. What is the significance of quickly establishing credit in other regions. Once established, it becomes meaningless.