1. In addition to improving the secondary account information, if the secondary and tertiary accounts are dormant for a long time, they will also be carried forward to the "dormant account". According to the regulations of the Bank, banks with Class II and III accounts will be set as sleep accounts and suspend off-site channel business if there is no active collection and one-year payment transaction and the account balance is zero. Bank cards will also be transferred to dormant accounts. For the frozen bank card, if the customer has never used it, and there is no business within 1 year, repayment and annual fee are also business, then the bank card becomes a dormant account, and the bank card becomes a dormant account. If it is not activated within one year, the account will be automatically cancelled. How to define the sleep account should be stipulated in accordance with the regulations of the bank. These dormant accounts are also called "dormant cards" and "double zero cards", which refer to bank cards with zero account balance and no outstanding information.
2. The bank upgraded the "double zero" account. After the upgrade, the "double zero card" that has not been used for a long time cannot be used normally. It is worth mentioning that all the bank cards that have opened the business functions of bank wealth management products purchase, fund, third-party depository, foreign exchange treasure, collection and payment, personal loan repayment, etc. It is not within the scope of this upgrade. At the same time, account information will not be displayed in non-counter channels. Previously, the four major state-owned banks and China Merchants Bank also cleaned up the "double zero cards" respectively. For cardholders who need to use their debit cards repeatedly, the bank suggests that cardholders go to the counter of our outlets to go through the activation procedures of "double zero cards" with their debit cards and valid personal identification documents.
3. There is no charge for reactivating the "Double Zero Card". It is recommended that the cardholder go to the outlet to handle the account cancellation procedures. It should be noted that the bank will only inform consumers of the "double zero card" cleaning work in the form of an announcement. Cardholders can also view system notifications when logging in to mobile banking, but they will not directly notify cardholders by SMS. Therefore, cardholders should sort out their bank card information to avoid inconvenience to their transactions. A person from a state-owned bank said that if the cardholder still wants a debit card, he can activate the card to clean any deposit or transfer transactions through bank counters, mobile banking, self-service equipment and other channels before the card is issued, or swipe the card at any merchant. If it has been "frozen" by the bank, it can be re-enabled at the bank outlets. Most credit cards have to pay an annual fee after opening. If you don't use it for a long time, the annual fee is cumulative.