With the popularity of mobile payment, in the usual life of celebrities will usually use WeChat or Alipay to pay, want to better use mobile payment people will be tied to the monthly salary with the bank card, and then bind the bank card to weChat will pay Alipay As people handle more and more bank cards, sleep accounts have become more, and now the major banks have issued a notice, these accounts will be written off, the card has money is not OK, users need to pay attention to it.
Use of bank cards
Now people's daily salary is usually punched into a bank card, people can receive a salary after having this bank card, and can bind the bank card to WeChat or Alipay to facilitate daily payment, now people basically do not carry cash with them, and they can complete the payment without carrying a bank card after having a bank card.
Many people will also apply for a bank card in order to facilitate deposits, because in their view, it is not safe to store funds in the platform, and after depositing a bank card, funds can be deposited into it, which is more convenient for the use of funds, more convenient and fast for people, in order to be more convenient to manage funds, people will even handle multiple bank cards.
Although this is more convenient for the management of funds, but many people in daily life only need a card is enough, excess bank cards will rarely be used, a long time will become a sleep account, for this type of sleep account major banks issued a notice, indicating that the following accounts will be written off, even if there is money in the card.
These accounts will be cancelled
The first thing that will be written off is the account that is not used frequently, some users will handle multiple bank cards in order to better manage the funds, some or because of special reasons to handle the bank card such as a certain kind of insurance, the insurance specific needs a bank card, so the user will specifically handle the bank card of this bank, but these bank cards are not often used, so the bank is in a state of non-operation for a long time, basically there is no capital transaction, so the bank needs to cancel this kind of bank card. Because the existence of such cards greatly consumes the internal resources of the bank, the bank staff also need to maintain these cards on a regular basis, but because sometimes people usually forget to cancel after processing, the bank will cancel such infrequent accounts.
The second category is some special accounts, which are cards used by the state to issue funds for special groups, but the frequency of use is low, the general user only uses once to receive subsidies from the state, and has not been used again in the later stage, the same as the previously mentioned accounts that are not commonly used, there is no capital transaction for a long time, and such accounts will also be the object of the state's cancellation.
The third category is that there are multiple accounts under the name of one person, usually the user has certain restrictions on the bank when applying for a bank card, if the bank background detects that the number of accounts owned by the user exceeds the specified number, such accounts will be processed. The above three types are the accounts that will be cancelled, a number of banks have begun to take action to deal with these accounts, if you want to continue to use the bank card in the later stage of the user should negotiate with the bank in time, if there is a balance in the card of the user should pay more attention to, once the bank to cancel even if there is a balance in the card is not OK.
summary
Generally speaking, two bank cards that are usually used for life payment and personal storage are enough, there is no need to apply for too many bank cards, not only is it inconvenient to manage themselves, but also increases the pressure of bank management.