Urgent reminder! These cards will be cleared

□ Xu Bing, reporter of Dahe News and Dahe Financial Cube

At present, the whole people have entered the era of mobile payment, and many citizens, especially the majority of young people, have become accustomed to replacing card swipes and cash transactions with "sweeping". This phenomenon also prompts many people to pay little attention to the status of their debit cards, especially when they have more than one card in their hand.

Recently, a number of banks are carrying out a major cleanup operation on long-term unused "dormant accounts". In an interview with the Reporter of Dahe Bao and Dahe Financial Cube, industry insiders said that the reason for cleaning up "dormant accounts" is to implement the requirements of relevant account management of the People's Bank of China on the one hand, and on the other hand, it will help prevent financial risks, ensure the safety of personal bank accounts, and crack down on telecommunications fraud.

These cards will be cleared and you have a few

What types of cards will be cleared? The reporter learned from Huaxia Bank that the bank will carry out the liquidation of personal stock accounts from the 30th of this month, and will continue to clean up eligible accounts every year.

"No fund receipt and payment activities have occurred for more than 5 consecutive years, the account balance is less than 10 yuan or more than 3 consecutive years have not occurred to receive and pay funds, the account balance is 0 yuan, and the personal long-term inactivity of the individual who has no other contracted business with the bank will be cancelled, and other accounts that do not meet the regulations will be restricted from trading functions." Huaxia Bank said.

In addition, the bank said that customers who have not actively received and paid funds for more than 2 consecutive years (including) may also be restricted from trading in personal settlement accounts with account balances of less than 10 yuan (inclusive).

Not only Huaxia Bank, but also the six state-owned banks and other joint-stock banks. "If there has been no transaction for 3 consecutive years and the account balance is zero, it may be cleared." The counter staff of a branch of ccb bank in Zhengzhou told reporters that if the bank card has a bound credit repayment, personal loan repayment, or itself is a social security card, provident fund card, private bank card, etc. is not included in the scope of account cancellation.

China CITIC Bank also issued an announcement that for accounts with bank card balances of less than 10 yuan, as well as accounts that have not been traded for two consecutive years, the untraded accounts are up to the end of October of each year. At the same time, China CITIC Bank will continue to carry out clean-up activities in the future, and conduct verification and screening in the fourth quarter of each year.

It is worth noting that the Postal Savings Bank mainly cleaned up excess accounts. "For the liquidation of the user's excess account before June 30, 2021, the excess standard is: 1 type of household, 5 of the second type of household, and 5 of the third type of household." Postal Savings Bank said.

If you don't know if your bank card will be cleared, you can contact the appropriate bank to check.

Liquidation of an account does not mean closing an account

In the process of investigation, a staff member of China Construction Bank told reporters: "Cleaning up the account does not represent the cancellation of the account, some banks have limited the transaction function, if it is reactivated, it needs to go to the bank branch to handle it." ”

The reporter of Dahe News and Dahe Caifang learned that the cleaning time of ccbed households for long-term immobility is from January 21, 2021 to February 28, 2021, and part of the cleanup has been completed.

In addition, the reporter learned that individuals who open multiple settlement accounts or whose basic information of individual customers is not perfect may be restricted from trading. "It's more common for id documents to be invalid or expired, which can often lead to restrictions." The staff of a branch of China Merchants Bank in Zhengzhou told reporters.

"Some bank VIP cards have a certain management fee, and if the long-term average monthly amount is not up to standard, it may also incur corresponding fees." However, customers are usually reminded by phone. Said the above-mentioned staff.

China has 8.64 bank accounts per capita, which has certain risks and hidden dangers

The reporter learned from the Chinese Bank that as of the end of the third quarter of 2020, China has opened a total of 12.092 billion personal bank accounts, and the number of bank accounts per capita has reached 8.64.

The relevant person in charge of the central bank has also said that the excessive number of individual accounts has caused individuals to mismanage the account and its assets, and not attached enough importance to the account, which has laid hidden dangers for the sale and purchase of accounts, impersonation of accounts and fictitious agency relationships, and has also caused a waste of bank management resources, and long-term unchanged accounts will become internal risk points of banks.

In an interview, Gao Jun, general manager of Yin'ao Consulting, told reporters that banks clean up dormant accounts, on the one hand, to implement the requirements of relevant account management of the People's Bank of China; on the other hand, reducing sleep accounts is conducive to banks improving management efficiency. At the same time, cleaning up dormant accounts also helps to prevent financial risks, ensure the safety of personal bank accounts, combat telecommunications fraud and other behaviors; to avoid users' own accounts being used by criminals and getting involved in unnecessary trouble.

The reporter learned that in October 2020, the "broken card" operation was carried out nationwide, severely cracking down on the illegal and criminal activities of illegally buying and selling the "two cards", smashing 4592 illegal and criminal gangs of the "two cards", arresting 71,000 illegal and criminal personnel, and punishing 57,000 illegal rental, lending, selling and purchasing "two cards" personnel. In addition, the Supreme People's Court, the Supreme People's Procuratorate, the Ministry of Public Security, the Ministry of Industry and Information Technology, and the Chinese Bank also jointly issued the Circular on Severely Cracking Down on and Punishing illegal activities of illegally buying and selling telephone cards and bank cards in accordance with the law.

In Gao Jun's view, a large number of dormant accounts will also occupy the bank's network system resources, resulting in waste of resources and increasing the cost of bank operations. Cleaning up dormant accounts is also conducive to preventing individual cardholders from incurring unnecessary expenses, reducing personal credit risk, and ensuring the safety of funds.