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What does the bank card sleep state mean?
The bank card sleep state refers to the state that the bank card is dormant and frozen after long-term unused. If there is no balance in the bank card and it is not used for a long time, the bank card will automatically go to sleep; If the user wants to activate the bank card, he can activate it at the bank with his ID card.

Sleep card is divided into debit card sleep card, quasi-credit card sleep card and credit card sleep card. Debit card sleep card refers to the card that the cardholder has not initiated for more than 65,438+02 months (excluding interest settlement and inquiry) and the deposit balance is less than 65,438+00 yuan.

Quasi-credit card sleep card refers to a card whose cardholder has not initiated financial transactions (excluding interest settlement and inquiry) for more than 6 months in a row and whose deposit balance is below 65,438+00 yuan; Credit card sleep card refers to a card whose cardholder has not initiated any financial transaction (excluding interest settlement and inquiry) for more than 6 months in a row and whose deposit balance is below 65,438+00 yuan.

The definition of the so-called sleep card in the industry is a card that has not been used at all for a certain period of time or a card that has not been enabled or activated for a newly applied card. We call it sleep card. After the card is activated, it has not been used once in one year. We regard it as a quasi-sleep, low utilization rate or rarely used card.

The domestic credit card circulation is increasing every year, and banks invest a lot of manpower and material resources in the issuance of credit cards every year, but the activation rate and utilization rate of the issued credit cards are relatively low, which leads to banks wasting a lot of financial and material resources. It is reported that at present, the activation rate of credit cards in China is below 40%, but the probability in sleep card is very high. The issuance cost of each credit card is 100 yuan, which is equivalent to the bank wasting more than 60 yuan on each credit card.

"In the China market, the number of credit card issuance is increasing, but the profitability challenges of banks are also increasing. People stop using credit cards after they get them, let alone circulating them. Some people just use it to withdraw cash, so the utilization rate of credit cards is too low.

Business cards, tourist cards, maternal and child cards, decorated housing cards and movie cards that have no monopoly on credit cards look at the current domestic credit card market. There is indeed a certain market segmentation of the 100-line card, but most credit cards fail to grasp people's consumption psychology and let customers use it for a long time.

At present, in the domestic credit card market, Ping An Bank 10 yuan Cinema Credit Card has a high usage rate. Many customers applied for this card and swiped it for this additional function to enjoy this discount many times. The reason is that besides the huge profit margin compared with other credit cards, the convenience of repayment is also a major reason to attract customers.