condition

Five or six cards per capita, and some people form a card family.

Chen Cheng, who works in an Internet company, had a similar experience. He said that since he went to work six years ago, there have been more and more bank cards. "At present, there are seven cards, and almost all the cards of various banks have been collected." Chen Cheng took out the bank cards in his wallet, including ICBC, China Construction Bank, Minsheng Bank, China Everbright Bank and Bank of Communications. "I still have that agricultural bank card at home, which has been useless for many years. I don't know what to do with it. "

Like Ms. Zhang and Chen Cheng, it is not uncommon for a person to have debit cards from several different banks at the same time. At the same time, the phenomenon that bank cards are idle and "sleeping" is also very common.

survey

There are differences between banks, which are not compulsory or voluntary.

"Yes, I just got a notice today to clean up my sleep card. I should lock some accounts that haven't been traded for more than half a year first. After that, I should inform the depositors. " On the morning of March 30th, the staff in the counter of Sidaokou Sub-branch of Huaxia Bank explained that they had just received a notice to clean up the "sleeping" account. At present, the business hall has not given a detailed and specific cleaning process, but according to the previous practice, similar accounts should be delineated according to big data, and notices may be sent on the website or WeChat official account, but depositors may not be directly notified to cancel their accounts by phone. The depositor has not seen the notice for the time being, and the bank will continue to provide services for the account.

"We have recently informed some depositors with incomplete information to go to the business hall to improve the information as soon as possible. There are no other arrangements at present." The lobby manager of the Bank of Communications Century City Sub-branch introduced that there was no notice to clean up the "sleeping card" for the time being. Not far from here, the staff of two banks, CITIC Bank and Minsheng Bank, said that similar to Bank of Communications, they have not cleared their sleep accounts.

At the same time, some bank staff made it clear that the usual practice of banks is to temporarily "lock" or "hibernate" accounts that have been held for more than half a year without any business. If depositors need to continue to use this card in the future, they can open, activate and unfreeze it at outlets with their original cards and ID cards. The account cancellation requires the depositor to apply in the bank lobby with the certificate.

remind

Don't worry about these types of cards. Don't panic if there is balance.

During the interview, many citizens said that if "sleep card" stays at home for a long time, or there is nowhere to find it, will it bring some risks?

A staff member of China Construction Bank's Beijing Huihong Jiayuan Sub-branch said that the "sleep card" gradually cleared by the bank is mainly for debit cards, and as long as there is a balance in the depositor's card, it will basically not be cancelled. "If your name is not used for many years, there is no money or arrears, the system will screen for cancellation."

"Idle for a long time, there is no balance in the card, and there is no transaction record for a long time. The background information management can be gradually screened and sold." A staff member of China Bank Chang Ying Branch said. If users usually pay attention to keeping personal information from being leaked or traded, and pay attention to the safety of using the card, even if the bank card is idle and "dormant", there is generally no risk.

However, some citizens have applied for Beijing medical access cards in hospitals, and some cards will also have the names of cooperative banks. Is it possible for such a card to be "sleeping" and cleaned up? In this regard, the staff of Bank of Beijing Century City Sub-branch said that there is no UnionPay logo on this card, so it cannot be cancelled in the bank and is not among the "sleeping cards" that need to be cleaned up.

In addition, there are two types of bank cards that are easily forgotten by everyone: one is the "one old and one small" insurance card for children after birth, and the other is the bank card for children to pay tuition or eat after school. Many of these two types of cards are also handled by Bank of Beijing. In this regard, the staff of Bank of Beijing introduced that if these two accounts are not used for a long time, it is also very simple to cancel the account. If you remember the password of the card, you can go directly to the outlet with your ID card and bank card. If you can't remember the password and the child is under 16, then parents need to bring their own bank card, ID card and household registration book with them. "Please also rest assured that banks will never close their accounts without informing depositors."

"Dealing with sleep card is both difficult and complicated. There are many reasons why bank cards are' sleeping'. There may be factors such as the cardholder's forgetting, losing contact and death. Banks need to take different measures according to different situations. " Ceng Gang, deputy director of the National Finance and Development Laboratory, reminded that when dealing with sleep card, banking institutions should not only abide by the existing regulatory requirements and rules, but also try their best to provide convenience for customers and protect their legitimate rights and interests.