BiyaPay速捷卡冻结类型及处理方式
1. 自己冻结
<ul>
<li>定义：用户主动操作冻结卡片，通常用于安全防护或临时停用。</li>
<li>解冻方式：
<ul>
<li>点击对应卡片，选择【解冻】，卡片即可恢复正常使用。</li>
</ul>
</li>
</ul>
<img src="https://public.hxdsmy.com/static/MTc0ODYwMTcwMzYxNjc3MTY0OA==_1748602194568.png" alt="image.png" />
<ul>
<li>特点：可由用户自主解冻，无需额外费用或操作。</li>
</ul>
2. 卡组织冻结
<ul>
<li>定义：因违规操作或触发风控规则，由卡组织直接冻结卡片。</li>
<li>解冻限制：
<ul>
<li>卡组织冻结后用户无法解冻，卡片将短期或者永久失效。</li>
</ul>
</li>
<li>原因示例：高频失败交易、恶意退款、非法用途（如涉赌、涉黄、洗钱）等。 
建议</li>
<li>谨慎操作卡片，避免违规行为，以防触发卡组织冻结。</li>
<li>如果发现卡片被自己冻结，及时解冻即可恢复使用</li>
</ul>

BiyaPay card freezing types and processing methods
1. Freeze yourself
<ul>
<li>Definition: A user actively freezes a card, typically for security protection or temporary deactivation.</li>
<li>Defrosting method:</li>
<li>Click on the corresponding card and select [Unfreeze], and the card can be used normally.</li>
</ul>
<img src="https://public.hxdsmy.com/static/MTc0ODYwMTcwMzYxNTEzNTY3OQ==_1748602209571.png" alt="image.png" />
<ul>
<li>Features: Can be unfrozen by the user without additional cost or operation.</li>
</ul>
2. Card network freezing
<ul>
<li>Definition: The card network directly freezes the card due to illegal operations or triggering risk control rules.</li>
<li>Unfreezing Limits:</li>
<li>After the card network is frozen, the user cannot unfreeze the card, and the card will expire for a short period of time or permanently.</li>
<li>Examples of causes: high-frequency failed transactions, malicious chargebacks, illegal uses (such as gambling, pornography, money laundering), etc. 
suggestion</li>
<li>Handle cards with caution to avoid irregularities in case they trigger a network freeze.</li>
<li>If you find that the card has been frozen by yourself, you can unfreeze it in time to resume use</li>
</ul>

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