中文版：

银行卡冻结怎么办？

面对银行卡被冻结的情况，首先不必惊慌。了解冻结原因并采取相应的解冻措施是关键。常见的冻结原因包括密码输入错误、账户安全风险、涉及可疑交易等。针对这些原因，您可以尝试以下方法解冻：

如果是密码输入错误，可以前往银行柜台或通过银行网站进行密码重置。

如果是账户安全风险，可能需要您提供相关证明材料以验证身份，然后银行会协助您解冻。

若涉及可疑交易，您需要配合银行进行调查，提供相关交易凭证以证明交易的真实性。

在解冻过程中，请确保提供的信息准确无误，以免延误解冻时间。同时，为了防止类似情况再次发生，建议您加强账户安全管理，如定期更换密码、确保手机安全等。

英文版：

What to Do When Your Bank Card Is Frozen?

If your bank card is frozen, don't panic. Understanding the reason for the freeze and taking appropriate measures to unfreeze it is crucial. Common reasons for freezing include incorrect password entries, account security risks, and involvement in suspicious transactions. Here are some steps you can take to unfreeze your card:

If the freeze is due to incorrect password entries, you can visit the bank counter or reset your password through the bank's website.

If there are account security risks, you may need to provide relevant proof materials to verify your identity, and the bank will assist you in unfreezing your card.

If the freeze is related to suspicious transactions, you need to cooperate with the bank in the investigation and provide relevant transaction documents to prove the authenticity of the transactions.

During the unfreezing process, ensure that the information you provide is accurate to avoid delays. To prevent similar situations in the future, it is recommended to strengthen account security management, such as regularly changing passwords and ensuring phone security.

中文版：

年利息怎么算？

年利息是指借款人或投资者在一年内应支付的利息或获得的收益。计算年利息的方法因不同的金融产品和情况而异。下面介绍几种常见的年利息计算方法：

简单利息计算法：年利息 = 本金 × 年利率。这种方法适用于固定利率的贷款或投资，计算简单明了。

复利计算法：年利息 = 本金 × (1 + 年利率)^n - 本金。复利计算考虑了利息的再生效应，适用于长期投资或贷款。

分期还款计算法：对于分期还款的贷款，年利息需要根据每期还款金额和期数进行计算。一般银行会提供详细的还款计划表，展示每期还款金额和总利息。

在计算年利息时，需要注意年利率的表达方式，如百分比、小数等。同时，还需了解金融产品的其他费用，如手续费、罚息等，以便更准确地评估投资收益或贷款成本。

英文版：

How to Calculate Annual Interest?

Annual interest refers to the interest that a borrower or investor should pay or earn within a year. The method of calculating annual interest varies depending on different financial products and situations. Here are several common methods for calculating annual interest:

Simple Interest Method: Annual Interest = Principal × Annual Interest Rate. This method is suitable for loans or investments with a fixed interest rate and is easy to calculate.

Compound Interest Method: Annual Interest = Principal × (1 + Annual Interest Rate)^n - Principal. The compound interest calculation takes into account the regenerating effect of interest, which is suitable for long-term investments or loans.

Installment Repayment Method: For loans with installment repayments, annual interest needs to be calculated based on the amount repaid each period and the number of periods. Banks usually provide detailed repayment schedules showing the amount repaid each period and the total interest.

When calculating annual interest, it is important to pay attention to the expression of the annual interest rate, such as percentage, decimal, etc. Additionally, it is necessary to understand other fees associated with financial products, such as handling fees, penalty interest, etc., to more accurately assess investment returns or loan costs.