If the mainland has the best prospects for development today, it is certainly the banking industry. According to the news released by the Financial Associated Press in January 2022, the net profit of some listed banks in the mainland has grown rapidly. For example, the latest financial report released by the Bank of Jiangsu shows that the net profit attributable to the mother in 2021 was 19.694 billion yuan, up 30.72% year-on-year. In addition, the net profit attributable to sunong bank, industrial bank, Changshu bank and other banks has also reached 20%.
The increase in the net profit of some banks is not only because of the good development momentum of the mainland banking industry, but also because the Chinese people have great trust in the banking industry. Because according to the data released by the central bank, as of September 2021, the mainland has issued a total of 9.183 billion bank cards. Of these, 8.385 billion were debit cards and 798 million were credit cards. According to the forecast of the China Commercial Industry Research Institute, as of the end of 2021, there will be 9.93 billion bank cards in the mainland.
Bank cards can actually expire
Although the mainland holds 6.5 bank cards per capita, in fact, some people do not use so many cards at all, mainly using up to 2 or 3 bank cards. After all, most people are now accustomed to using mobile payments, and according to the latest data released by CNNIC, there are currently 872 million people on the mainland who use mobile payments.
In addition to the frequent use of payroll cards, most bank cards are tied to a third-party payment and then put in a wallet or drawer. Today, according to the data released by the surging paper, the number of idle bank cards in the mainland has exceeded 2.1 billion. It can be seen from this that most people have several idle bank cards in their hands.
However, most people may not know that in fact, if the bank card is placed for too long, it will expire. If you don't believe that you can take out your bank card and turn it to the front, you will find that there is a string of dates there, that is, the bank card expiration time. According to the official notice issued by the bank, most bank cards are now valid for 10 years.
Some people may feel strange to see this, obviously there is no need for some merchants to launch a 1-year or 2-year validity period in order to make customers use their membership cards more, why should banks do this? In addition, if the validity period of the bank has expired, what should be done?
The reason why the card expires
The reason why bank cards also have an expiration date is mainly for 3 reasons. The first is to upgrade the bank card technology. We all know that technology will continue to evolve, such as the previously popular magnetic stripe bank card, due to its easy demagnetization and data being read by criminals. Therefore, the world is now vigorously promoting chip cards, and even the world-renowned MasterCard has announced that it will gradually eliminate magnetic stripe bank cards in 2024. Therefore, in order to continuously update the technology and improve the anti-theft security of the bank card, the expiration date will be set.
The second is to conserve bank resources. We know that since the number of bank cards that are now idle has exceeded 2.1 billion, if the data of these cards is kept in the bank, it will not only cause the bank to increase the useless information, but also cause the waste of bank information resources. So in order to solve this problem, the bank will add the expiration date to the bank card.
Of course, in addition to waiting for the bank card to be automatically cleared when it reaches the expiration date, banks are also actively cleaning up idle bank cards and accounts. According to the China Banking and Insurance News, since the People's Bank of China took the lead in organizing the cleanup of abnormal accounts such as useless bank cards and "one person multi-card", 1.48 billion accounts have been processed.
The third is to prevent telecommunications fraud. In recent years, the number of telecommunications fraud cases carried out by unscrupulous criminals in many places using idle bank cards has been increasing. For example, according to a report released by the People's Information Network, the Zhengzhou Municipal Public Security Bureau cracked more than 1,200 telecommunications fraud cases last year. According to its official statistics, the incidence of telecommunications fraud in Zhengzhou is increasing at a rate of 20% per year. Because idle bank cards play a big role in it, banks only add expiration dates to limit in order to avoid this kind of thing.
What to do if the bank card exceeds the deadline
If you find that your bank card has expired, according to the Jingmen Evening News, first of all, it will not affect the deposit in the account, so if there is money in the bank card, there is no need to worry. Secondly, you should go to the local bank to change the card in time, so that not only the deposit in the original bank card will be transferred to the new card.
If you do not want to change your bank card number during the process of card replacement, you can also ask the bank clerk. Since different banks have different rules and regulations and procedures, although the probability is that they will agree, they may wait a little longer to change the card, so if you feel that you can't wait so long, you can also not do so.
In general, most people now have 2 to 3 bank cards in their hands is enough, if there are too many bank cards, it is not only easy to cause the bank's resources waste, but also may put themselves into some trouble. Therefore, if there is an idle bank card, it is recommended to go to the bank in time to cancel. Finally, do you support the fact that there is a time limit for bank cards? Might as well be in the comments section.