Before the economy was not very developed, people's wages are generally a few hundred yuan, in addition to the basic expenses of how much money is left, even if the remaining will be kept by themselves, so the money is not worth deposited in the bank. However, with the gradual increase of people's economic income, the amount received each month can reach more than 5,000 yuan or 10,000 or 20,000 yuan, the company unit will not give cash to employees, employees must have their own bank cards. Bank card is very important for us, the card not only has our salary at the same time we want to achieve network payment, WeChat or Alipay must bind our bank card.
▲Bank card
Everyone will not always work in a company, we will often change jobs or change cities, then the types of bank cards required by these companies are not the same, people can only do the corresponding cards in order to get wages, everyone has more than five bank cards in their hands, but these cards we are not always using, generally use one or two, then what should other cards do? These cards are issued to us by banks, and banks have the right to deal with them, so many banks have issued announcements, and there are several types of bank cards that will be fully cancelled, even if there is money in the card.
▲Mobile payment
Sleep accounts
The first type of bank card is the sleep account, what is the sleep account? There are a few cards we hold that we don't use very often, and these cards were created relatively early, and we don't know how to process these cards, so the bank will process them instead of us, and the accounts that have not been used for a long time and have a balance of 0 will be cancelled by them. The content of each bank's announcement is a little different, some are 10 yuan and some are processed regardless of how much balance there is.
▲ Sleep account
Specific accounts issued by the state
This type of account is rare, and the number of people who own him is not very large. This specific account is allocated by the state, generally the user receives subsidy accounts, the user's time is not permanent, the state will not always give them the amount of subsidy, these accounts are useless, users may have these bank cards have been placed, but the bank will deal with it, even if it is lost, others pick up can not be used.
▲Subtract unused cards
Overage accounts
The last category is overdose accounts. What is an oversized account? It is the number of bank cards that a person has, and certainly not too many cards that a person has in the same bank. When we handle bank cards, we are generally Class I accounts, in fact, there are Class II accounts and Class III accounts, and some people will apply for corresponding cards. Mainland banks have regulations on this, the number of cards that can be processed for a type of card, people have up to 11 cards of this institution. If there are some accounts that have not received payments, expenditures or other activities for three years, the bank will treat these cards as cashless accounts, and the institution will clean them up centrally.
▲Overdose account
summary
The above three types of bank cards will be cleaned up, you can check whether the cards you have have these situations, if there is, you must earn your balance into the commonly used bank card.