If the card is not taken for more than one month, the bank will destroy the bank card, but the account number still exists. A commercial bank shall meet the following conditions for opening bank card business:

(1) It has been in business for more than 3 years and has a good business foundation for handling retail business;

(2) It meets the monitoring indicators for asset-liability ratio management promulgated by the People's Bank of China and is in good operating condition;

(3) The business has established a scientific and perfect internal control system with clear internal authorization approval procedures;

(4) Having qualified managers and technicians and corresponding management institutions;

(5) Safe and effective computer processing system;

(six) the issuance of foreign currency cards must also have the qualification to operate foreign exchange business and the corresponding foreign exchange business management level;

(seven) other conditions stipulated by the people's Bank of China.

The articles of association of various bank cards of the extended information issuing bank shall include the following contents:

(a) The name, type, function and purpose of the card;

(two) the card issuing object, application conditions and application procedures;

(three) the scope of use of the card (including use restrictions) and the method of use;

(four) the interest rate applicable to the card account, as well as the charging items and standards for the cardholder;

(five) the rights and obligations of the issuing bank, the cardholder and other relevant parties;

(6) Other matters required by the People's Bank of China.

Baidu Encyclopedia-Measures for the Administration of Bank Card Business