Attention! 1The bank account balance below 0 yuan may be cleared.

Attention! 1The bank account balance below 0 yuan may be cleared.

Attention! 1The bank account balance below 0 yuan may be cleared. With the rapid development of the financial industry and the change of payment methods, people are handling more and more bank cards. Attention! 1The bank account balance below 0 yuan may be cleared.

Attention! 1 The balance of bank accounts below 0 yuan may be cleared1Recently, a number of banks began to clean up "sleep accounts" again, and many banks such as Industrial and Commercial Bank of China, Bank of China and Bank of Communications issued announcements one after another to carry out investigations and clean up long-term immobile households and multi-households with one person. The reporter noticed that this round of "sleep account" investigation and upgrading, the previous account balance may be classified as "sleep account" by the bank, but this time, the account balance below 10 yuan will also be included in the "sleep account".

"Sleep Account" Survey Upgrade

On June 65438+1October 1 1 day, 2022, ICBC gradually implemented account function adjustment for personal bank accounts such as "long-term immobility". Specifically, as of June 65438+1October 10 this year, there has been no active transaction for more than three consecutive years, the balance of current account is less than 10 yuan, and accounts that have not signed payment agreements such as credit card and personal loan repayment will be included in the adjustment scope.

In fact, this is not the first time that ICBC has issued a "sleep account" cleaning announcement. As early as July, 20021year, China Industrial and Commercial Bank issued the Notice on Clearing Long-term Inactive Personal Bank Accounts.

Through comparison, it is found that the scope of ICBC's "sleep account" cleaning has expanded. In the past, a zero account balance may be classified as a "sleep account", but this clean-up stipulates that the account balance below 10 yuan may also be classified as a "sleep account".

Coincidentally, in addition to ICBC, the recent cleanup of "sleep accounts" by many banks such as Bank of Communications and Fushun Bank is no longer limited to accounts with zero balance.

For example, from the date of 202 1, 12, 10, the use of any personal bank account of Bank of Communications with a balance of 10 yuan or below and without credit card, personal loan repayment or other agency agreement will be suspended.

"sleep card" hides account risks

Insiders told reporters that the centralized cleaning of long-term fixed accounts by banks is related to preventing illegal and criminal acts such as telecom fraud. At the same time, reducing bank management costs is also one of the important reasons for "clearing cards".

According to a report released by China UnionPay recently, "sleep card" hides account risks. Among the respondents who suffered financial losses, more than 3% said that they had lent bank cards for profit, mainly in groups such as students, small and micro business owners and independent entrepreneurs.

In daily life, many people apply for multiple bank cards at the same time, and some of them become "sleep card" because of their low utilization rate. The report shows that people who lend bank cards are more likely to suffer losses and the amount of losses is higher. The average loss of the respondents who owned more than 10 bank cards and suffered losses exceeded 3,000 yuan, which was 50% higher than the average loss of the victims. From the perspective of fraud methods, online live broadcast and virtual currency trading speculation account for a relatively high proportion.

The risk control expert of China UnionPay suggested that consumers should manage their personal accounts and QR codes, manage sleep card and related accounts, and never lend or rent bank cards and payment codes. At the same time, protect personal sensitive information. In addition, we will resolutely resist illegal and criminal activities such as online gambling and money laundering, and actively report such illegal platforms.

Attention! 1The bank account balance below 0 yuan may be cleared. With the rapid development of the financial industry and the change of payment methods, more and more bank cards are handled by people. According to the data of the central bank, by the end of the third quarter of 200212002, China had opened a total of 133.8 1 100 million bank accounts, issued 9183 million bank cards, and held 6.50 bank cards per capita.

Why do China people "love" bank cards so much? Because of "forced by life", when studying, you need a bank card to pay tuition fees; When working, you need a salary card to pay your salary; In order to avoid cross-bank charges, simply every commonly used bank should have a bank card. In addition, in order to attract depositors, many banks will also launch some theme cards and co-branded cards, so that ordinary people who love to "collect" bank cards can go to the bank to handle them.

Although people have many bank cards in their hands, not every card can be used, so many bank cards are idle. In order to facilitate management, major banks have issued notices to clean up "sleep accounts" that have not been used for a long time. The "sleep account" proposed by the bank actually refers to a bank card that has not traded for a long time, has zero or little account balance and has not signed any transactions.

Major banks have their own standards for cleaning up "sleep accounts". Take China Postal Savings Bank as an example. It stipulates that the number of accounts opened by the same customer is "1 15", that is, a customer can only have one 1 primary account, five secondary accounts and five tertiary accounts. This means that if the number of accounts in the depositor's name exceeds this standard, the redundant accounts will be closed.

Take China Construction Bank as an example. If the bank card under the depositor's name has not been traded for three years or more and the account balance is zero, the account should also be regarded as a "sleep account". So if we apply for a debit card or credit card of CCB and haven't used it for a long time, remember to cancel the card in time.

China Industrial and Commercial Bank also released the news of cleaning up the "sleep account". According to the current situation, more banks will join in and implement this measure one by one. Therefore, if we have a lot of bank cards and don't use them often, it is recommended to find a time to cancel them at the bank to avoid problems in the future.

Even some banks have stricter cleaning conditions. Even if there is a balance in the card, and the balance is less than 10 yuan, the account without any transaction for more than 2 years will be "cleared" by the bank. In other words, even if Cary has money.

After more than a year's clean-up, many banks said that the effect was remarkable, but the clean-up of sleep accounts has a long way to go and will continue in 2022. As a result, a number of banks have issued notices that they will carry out clean-up activities again.

65438+On February 26th, Fushun Bank was launched; In addition, from June 65438+1October 1 1 day in 2022, ICBC will also start to clean up its sleep accounts. At the same time, there is also the situation of "one person with many households". If the number of cards exceeds the specified number, the bank will make special treatment after checking.

It is worth mentioning that many depositors will associate "liquidation" with "cancellation". In fact, liquidation activities usually "restrict" financial transactions. For example, ICBC said in a statement that the "sleep card" after liquidation will be limited to "only receiving and not paying". However, some banks will forcibly cancel their bank cards. According to the announcement of Wuhu Bank, there is no active transaction in sleep card, and it will be judged as "voluntary cancellation" during liquidation.

Why do banks clean up these "sleep accounts"? First of all, if there are too many idle bank cards, it is easy to bring the risk of telecom fraud. Nowadays, telecommunication fraud means emerge in an endless stream, and criminals obtain these idle bank card information in various ways, and then carry out some illegal and criminal activities. If this happens, the loss to users is great.

Many people may be puzzled by this. Can emptying the bank card reduce its risk? In fact, it is. According to the data of "Card Breaking Action" published by the central bank, the number of clearing bank accounts has reached 654.38+0.48 billion.

At the same time, according to the data reported by the national conference on promoting the "punch-in" action, the number of telecom network fraud cases in China has decreased for three consecutive months since the "punch-in" action, and the average monthly bank account number of the units involved has also decreased significantly.

In addition, if there are too many bank cards, it will also bring great pressure to the management of banks. Because banks need to maintain accounts under each customer's name and store data, if the number of bank cards is too large, it will increase the management cost of banks. Once these accounts are settled, the cost of the bank will be greatly reduced.

It can be seen that account cleaning is a good thing for each of us and avoids many unnecessary risks. Of course, in order to avoid the risks brought by idle bank cards, we should not only rely on banks to clean up accounts, but also learn to use bank cards correctly by ourselves.

When using bank cards, there are two important points. First of all, you can't lend, rent or even sell your bank card, because this behavior is likely to lead cardholders to engage in illegal activities, especially once you sell your bank card for profit, you may even face "jail time".

Second, in handling cards, don't handle cards casually, and don't help others. Don't apply for a card you don't need just because of shopping discounts or card gifts, and don't use your identity information to help relatives and friends apply for bank cards. You will also face the risk of being cheated and participating in illegal activities. At the same time, check whether you have a stolen bank card and cancel the idle bank card by the way to avoid falling into "risk".

Generally speaking, the role of bank cards in our daily life is self-evident. For ordinary people, it is an extremely safe and reliable storage tool. For the economy, the construction of the financial system is an important link. Therefore, as ordinary people, we should fully understand and actively respond to this action on the "bank card"

Attention! Bank account balances below 65,438+00 yuan may be cleared. Banks have become the most important financial institutions in our real life. Even though Internet finance has been integrated into our lives, some functions of banks are irreplaceable by Internet finance. Now Internet finance and traditional financial institutions are organically combined.

Just like when we pay on Alipay or WeChat, if the balance is not enough, we will postpone the payment to the bank card and directly deduct the balance in the bank card. No matter which payment software or shopping platform, cooperation with major banks has been completed. You only need a bank card, and you can use it to complete online payment.

It can be seen that bank cards play a very important role in the integration of Internet finance and traditional finance. At present, the "new announcement" has come, and the bank's "three types" accounts may be adjusted. Depositors need to pay attention, because these accounts will be automatically cancelled by the banking system, and even if there is a balance in the card, it may be cleared.

Bank card is the external performance of our handling of accounts in the bank, and it is the most direct proof that customers have financial accounts in the bank. Bank cards have a wide range of functions. Even in the case of high coverage of third-party payment, there are still a small number of groups who prefer cash payment and do not trust third-party payment very much. In the hands of this group, bank cards actually act as containers for storing cash.

They can deposit their own funds in bank card accounts, and when they need to use them, they can withdraw them directly from bank card accounts, or they can withdraw cash through banks and withdrawal equipment. Either way, for this group, it can not only ensure the safety of cash, but also ensure the convenience needed to use cash. So, what kind of bank card account will be automatically cancelled by the banking system?

The first type of account is one that we don't often use. Such accounts are collectively referred to as sleep accounts in banks. Most people have such accounts. Because of some special circumstances, they have to apply for a bank card. After special circumstances, bank cards will be idle. Basically, no one will go to the bank to cancel the bank card. Because this account has been idle for too long, there is no cash.

Dormant account is the first account to be cleared in the bank, which not only wastes the internal resources of the bank, but may even have an impact on the card. If the balance in the card is relatively small and has not changed for a long time, there is a great possibility of being cancelled by the bank, and the bank system will automatically default that the card owner has given up using the card.

The second type of account for bank settlement is a special account issued by the country. Because these accounts are basically used only once, and there are some special subsidies issued by the state, it is very unlikely that cardholders will use their bank cards again after the subsidies are issued.

The third type of account is an account whose name exceeds the prescribed limit. The central bank has issued regulations on holding bank cards before, but before the introduction of this regulation, many people have already handled bank cards exceeding the prescribed amount. Now, we will clean up this bank card that exceeds the amount.

At present, China Construction Bank, China CITIC Bank and Postal Savings Bank have issued these three clean-up regulations. If the personal account has been cleared within the bank, but it still needs to be used, you must inform the bank in time to avoid unnecessary trouble.

No matter what kind of enterprises and companies, they basically use bank cards when paying wages. It is very convenient to pay wages by bank card, because every account in the banking system will make a free account book, no matter which transaction, the time and amount are very clear, and the subsequent voucher retrieval will save a lot of trouble.

Corporate account transfers between major companies must be made through banks. First, the security of funds can be guaranteed, and second, because bank cards have very clear details of fund transactions. Residents who can apply for bank cards now have several bank cards under their names, and there are very few groups with only one bank card.

Because every company and cooperative bank are not unified, if the job changes, it is very likely that the bank card will also change. What's more, there are more than a dozen bank cards under their names. According to the latest data released by the central bank, the total number of bank cards that cannot be issued by large and small banks in China now exceeds 8.9 billion, most of which are debit cards. At present, there are more than six cards per capita, including some minors without bank cards.

Bank cards play a very important role in our daily life. It not only plays the role of a bridge at the financial level, but also plays the role of cash deposit in the market. In order to prevent some criminals from using idle bank card accounts under personal names, this bank card cleaning activity is very necessary. As a market participant, everyone should understand and abide by the relevant announcements issued by banks.