A number of banks have issued notices: two types of accounts will be cancelled, and the money in the card is no exception.

In the Internet era, people's consumption level is constantly improving, and the demand for banks is also rising. This is inevitable. Although banks are trying to reduce costs as much as possible to attract consumers, it also brings a very serious side effect, that is, people will have more cards in their hands, which will not only easily lead to waste, but also become a hotbed of crime.

According to the report of the World Wide Web, long-term unused cards are usually called "sleep accounts" and "excess accounts". These two types of accounts will not actually lead to any direct consequences. However, as accounts in bank data, they have a heavy burden on bank information resources. After all, it is enough to have a bunch of empty folders in the computer. Whether there is data in it is actually not that important, let alone a complicated and cumbersome bank.

In addition, some people are too lazy to report the loss because they don't have much money. As a result, they may be used by "people with a will". Once these cards fall into the hands of criminals, they will use the entrance to read the relevant information on them. On the one hand, personal information may be taken away, on the other hand, criminals may also use this empty card as a tool to transfer funds, which will easily bring many unnecessary troubles to cardholders.

Therefore, since last year, a number of banks have listed the above two types of cards on the clean-up list, and will cancel them when necessary to prevent telecommunication network fraud and ensure the safety of customers' funds as much as possible.

However, this has also triggered some discussions. Banks have different ways to deal with it. Some may clear a single sleep account, that is, some cards that have not been used for a long time and the amount is below 10 yuan. Some may cancel the sleep account together with the excess account exceeding the policy limit with the change of policy, even if there is money, it may affect the normal card holding of users. After all, it is not excluded that some people have not used their cards for a long time, but they always remember their cards.

Although for individuals, there is not much money with less than $10 in the card, the report points out that China has 8.9 bank accounts and 6.4 bank cards per capita, but usually no more than two or three cards are paid for, and many others are unused. Even if a card costs more than one billion dollars out of thin air, where did the money go and whether it can be returned has become a problem that many banks have to solve and people are worried about.

For individuals, it is recommended to complete the relevant processing of their bank cards as soon as possible before the bank issues relevant announcements. Generally speaking, you just need to deposit some money. If you can't remember how many cards you have in your name, it should be a good idea to ask some bank staff with your ID card.

But more importantly, if the card itself is not used, it is better to clean it up in time, which is the best solution to avoid being used by criminals. After all, many cases of "the card is not right for the person" will seriously interfere with the relevant work of the police and bring trouble to themselves.

Of course, banks generally have some solutions to the above-mentioned problems that plague consumers.

First of all, not all banks actually choose to cancel their personal accounts. Banks such as Postal Savings Bank, Minsheng Bank and China CITIC Bank will temporarily restrict the transactions of relevant accounts, while CITIC will temporarily restrict all transactions of the above two types of cards, so as long as you carry relevant documents, you can cancel the restrictions or unblock them.

Secondly, banks can also have some other means to clean up their accounts, such as SMS or telephone notification before cleaning up, and restricting the accounts reminded before cleaning up. , and it is best to have a description of the balance in the user card. Or directly appeal to users to go to the bank to clean up or merge related accounts to avoid unnecessary losses.

Finally, after all, banks are not omnipotent. If individuals only apply for bank cards for "convenience" and throw them away after use, many of these cards are expected to be returned. After all, some people change their mobile phone numbers when they are not used. It is obviously unrealistic for small banks to check the relevant figures or accounts one by one through their ID cards.

From a larger perspective, this round of bank card cleaning is also a last resort. The demand of consumers is so great that there is a lot of business competition between enterprises and banks. Bank card redundancy can almost be said to be the inevitable result. Now some banks try to charge a certain monthly card fee to avoid users from handling more cards, but the effect is obviously not very good. Therefore, to solve the multi-card problem, consumers have to deal with it themselves.

Personally, the influence of the concept of "ahead of consumption" has actually passed, and there are few financial businessmen's ultimate pursuits of "following the fashion" and "bonus hunter". Many people realize that it is more routine now, and it is more and more difficult to take advantage. Therefore, before the trouble of looking for your door appears, it is the most fundamental solution to handle as few cards as possible and cancel cards and accounts.

In the Internet age, it is not uncommon for bank cards to be interconnected through the Internet. It is precisely because of the Internet and various platforms that people can get rid of many physical bank cards. Similarly, when information can be circulated in a wider range, it is not impossible for one person to have one card.