More really| the original "driver's license deduction points, medical insurance balance at the end of the year to zero" are false

True points:

Driver's license points will not be cleared at the end of the year. From the day you get your driver's license, the next 12 months is a scoring cycle, and if the violation is not handled, the score will be transferred to the next scoring cycle.

Medicare balances are not cleared annually. The personal account of urban and rural residents' medical insurance has been cancelled at the end of 2020. Therefore, at present, the medical insurance of urban and rural residents only has a coordinated account, and there is no such thing as "zeroing". The money in the personal account of urban workers' medical insurance belongs to the personal property of the insured person, and it is accumulated, and the money in it can be used up in the next year, and there is no such thing as "zeroing".

The point rules of mobile phone operators, e-commerce platforms, bank credit cards, and rides, airlines, etc. are different, and can be inquired or consulted through the official website.

Verifier: Lin Jing | More authentic college verifier

Every time at the end of the old year and the beginning of the new year, various rumors of "clearing zero" go viral on the Internet, such as "the driver's license deduction points are cleared at the end of the year" and "the money in the medical insurance card will be cleared at the end of the year, and it must be spent quickly." Are these claims true?

Question 1: Will the driver's license score be cleared at the end of the year?

More truthful verification: No, according to Article 65 of the Regulations on the Application and Use of Motor Vehicle Driving Licenses, the cumulative scoring period for road traffic safety violations is 12 months, and the full score is 12 points, calculated from the date of the first collection of the motor vehicle driver's license. In other words, from the day you get your driver's license, the next 12 months is a scoring cycle. In addition, according to Article 69 of the Regulations on the Application and Use of Motor Vehicle Driving Licenses, if the violation is not handled, the points will be transferred to the next scoring cycle.

Question 2: The money in the medical insurance card will be cleared at the end of the year, so why spend the money at the end of the year?

More real verification: China's basic medical insurance system includes the basic medical insurance for urban and rural residents (referred to as "resident medical insurance") and the basic medical insurance system for urban workers (referred to as "employee medical insurance").

The personal account of urban and rural residents' medical insurance has been cancelled at the end of 2020, so at present there is only a pooled account, and there is no such thing as "zeroing".

Employee medical insurance has a pooled account and a personal account, in which the money in the personal account belongs to the personal property of the insured person, and it is accumulated, and the money in it can continue to be used in the next year, and there is no "zero" saying.

Question 3: Will the mobile phone points be cleared at the end of the year?

More true verification: This statement is not accurate, the point rules of several major operators are different, and the specific provisions are best to log on to the operator's official website to understand.

According to China Mobile's point rules, from May 2021, the validity period of basic points will be unified for 36 months, and the expiration will automatically expire. Points for monthly credits before May 1, 2021 for monthly credits will expire on April 30, 2024. Points earned for participation in the event before May 1, 2021 will remain valid.

The credit rule of China Telecom and China Unicom is 3 years cumulative, calculated on a calendar year basis. In other words, the final validity period of the points generated in 2019 is 24:00 on December 31, 2021, and the overdue clearance is zero.

Question 4: Will the credit card points of major banks be cleared at the end of the year?

True verification: The validity period of credit card points of different banks is different and the difference is large. Some credit card points are valid for 3 or 5 years; some banks set different zero times for different levels of credit cards; and some credit card points are permanent. Specifically, you can check the bill, the bank's official website, or call the customer service telephone number of the bank where the credit card is located.

Question 5: Will the points of the e-commerce platform be cleared?

More truthful verification: Among the major e-commerce platforms, Tmall and Beijing Tokyo Beans empty the previous year's points on December 31 every year. For example, December 31, 2021 will empty the points earned by customers in 2020 but not used. Pinduoduo, whether it is a mini program or an app, has not yet found the point system page and rules.

Q6: Will the 12306 ride points be emptied at the end of the year?

True verification: 12306's ride points are valid for 12 consecutive months from the date of entry into the account, and can be redeemed within the validity period, and the points that have not been redeemed at the expiration date will be automatically invalidated.

Q7: Will airline points be emptied at the end of the year?

True verification: Airline points (miles) are usually valid for 36 months, which can be inquired through the official website or by calling the service hotline. As stipulated by China Southern Airlines, the validity period of member account miles for members aged 12 years or above is 36 months (unless otherwise specifically referred to). China Eastern's membership points are "rolling and valid" for a long time, and will only be invalidated if they have been dormant for 36 months or more, during which time the points have neither increased nor decreased nor been used.

The miles of the PhoenixMiles program (a mileage award program jointly launched by Air China, Shenzhen Airlines, Shanhang Airlines and other Air China companies) are valid for 36 months, that is, for 36 months from the date of flight or the date of consumption of the flight.

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