When a bank card is stopped, different banks may say it differently, some will show "frozen" and others will show "stop payment". Although the expressions of the two are different, the meaning is basically the same, both of which indicate that the bank has taken restrictions on the account and cannot carry out any capital operations for the time being. However, there may be some differences in the specific operation of freezing and stopping payment.
In general, a freeze is more when an account is temporarily frozen. During this period, the funds on the account cannot be transferred in and out of any way, but the balance and turnover records can be queried. This situation becomes more complicated if there is an overdraft or loan on the account, and there may be some additional operational details.
Stop payment refers more to the restriction of the flow of funds. If the account is suspended, the funds in the account cannot be transferred out in any form, but can be transferred in, such as wages or remittances. In the case of stopping payment, there may be other restrictions, such as not being able to use a bank card or ATM, and you need to go to the bank counter to do so.
Usually, cards are stopped and frozen for security reasons. When the bank finds that the account is at risk, it will immediately take measures to limit it to prevent the account from suffering further losses. Accounts that are suspended or frozen are generally only temporary, and if the problem is resolved, the bank will lift the restrictions. If the risk persists, the account may be permanently suspended or closed.
In short, although the statement of the bank card payment is stopped and frozen, it both indicate that the account has been restricted. In this case, it is necessary to contact the bank in time and resolve the problems with the account as soon as possible so that the account can be restored to normal use. At the same time, it is also necessary to pay attention to the security of personal accounts to avoid account restrictions due to private information leakage and other reasons.