Background
In our modern life, bank cards have become an absolutely indispensable and practical tool. Whether it is shopping or daily consumption, it is an important medium of payment for us. With the rapid development of mobile payment, although there is no need to hold a bank card, in fact, all financial transactions are completed on the basis of a bank card. We can conclude that bank cards play an important and irreplaceable role in our lives.
While people enjoy this convenience, they often also have a common habit, that is, habitually get a few more bank cards as some form of "preventive measure". Some people even have a dozen, twenty, or even more bank cards on hand. But the reality is that we don't actually need that many bank cards, which actually reflects a common phenomenon in society, that is, "bank card surplus". If we really don't need so many bank cards, what should we do with them?
Body content
First of all, it's important to recognize the fact that we don't need that many bank cards. From the perspective of actual use, not all bank cards have use value in people's payment and consumption. Most people prefer to use the most commonly used bank card or cards, while those useless and idle bank cards, most of which are discarded in drawers, wallets, and even various storage boxes, have not been used for a long time, and seem to have become a kind of "decoration". This not only does not bring more convenience to our lives, but instead brings all kinds of troubles and possible risks. For those who already have a frequently used bank card and use it frequently in their lives, keeping a large number of idle bank cards is actually a wasteful waste and may even bring risks.
One of the most obvious risks is aiding and abetting. The crime of aiding and abetting refers to the act of providing funds, assistance, or facilitation to others when they know or should know that they have committed a crime of fraud. Many people ignore this risk because of their greed for small profits, and rent or sell their idle bank cards at very low prices, and these bank cards are used by criminal gangs to carry out various illegal financial transactions and criminal acts. If these transactions are detected, the owner of the card is also responsible. In the past few years, many young people and university students have been convicted of aiding and abetting and have suffered significant criminal responsibility. Those seemingly innocuous idle bank cards have become the devil of shirking responsibility at this time.
Idle bank cards pose such a huge risk, so what should we do with them? The only correct thing to do is to close the account. Account closure is to delete one's bank card from the banking system, so as to prevent the bank card from being used by others, bringing various unnecessary risks. There are a few things we need to be aware of before closing an account. First of all, make sure that there is no balance on the bank card you want to close, otherwise it may affect the account closure process. Secondly, if your credit card and debit card are tied together, you need to make sure that there is no outstanding balance on the credit card, and the bank will only agree to close the account if all the outstanding balance is settled.
The risk of inactivity of bank cards has not been completely eliminated by account cancellation. For some banks, they will charge a fee for cards that have been idle for a long time, or have a low balance. While this fee is usually not too high, it can add up to a lot of money over the long term. Therefore, account closure can not only avoid the risk of fraudulent use of bank cards, but also save some unnecessary expenses.
Sublimation at the end
We cannot generalize about the closure of accounts. Please check with each bank for details, as the terms and requirements for each bank may vary. In general, you need to make a judgment based on your actual needs and circumstances, and don't be misled by some seemingly attractive offers.
Bank cards do play a huge role in our lives and are the cornerstone of modern payment methods. This does not mean that we need to apply for bank cards without restrictions, on the contrary, we should be soberly aware of the risks that may be brought by excessive bank cards, and choose the appropriate way to use and manage them wisely to achieve the maximum value of our financial consumption behavior.