Why do you want to "break the card"?

Recently, some netizens reported to Ma Meng Finance that it is getting harder and harder to get a bank card now!

Today, I went to apply for a bank card. The staff told me to provide a bank branch, a residence permit, and a certificate of employment for the company, which means you have to have a job to apply for a card!

A few years ago, in order to expand business, it was extremely simple for banks to apply for bank cards. Are all banks so strict now? It's really troublesome to change jobs and companies with bank cards.

Why is the bank account opening procedure so strict? Why do you ask for personal information such as your work unit, occupation and address? Why do bank employees repeatedly remind not to rent, lend or sell accounts?

Some netizens reported:

When I went to the supermarket to buy things, the bank card could not be paid, and the display status was abnormal. The cashier in the supermarket told me that I need to go to the bank counter for details.

Tracing back to the source, these all stem from the ongoing "card-breaking operation"!

What is the "card breaking" action?

In view of the increasingly prominent problem of illegal buying and selling of telephone cards and bank cards through telecommunication network fraud, the Supreme People's Procuratorate, together with the Supreme People's Court, Ministry of Public Security, Ministry of Industry and Information Technology, People's Bank and other departments, will jointly launch a nationwide "card-breaking" operation from June 5, 20 14 to October, 2020 10, to severely crack down, control and punish illegal renting and selling of telephone cards and bank cards according to law.

Which cards are broken?

Mobile phone cards: including mobile phone cards of three major operators, mobile phone cards of virtual operator and Internet of Things cards.

Bank cards: including personal bank cards, corporate accounts and settlement cards, as well as accounts of non-bank payment institutions, that is, third-party payments such as WeChat and Alipay. Why do you want to "break the card"?

The action of "breaking the card" is closely related to everyone!

A large number of "fake real-name" bank cards and phone cards were bought by fraudsters, which brought huge economic losses to the general public. Breaking the buying and selling chain of telephone cards and bank cards can curb telecommunication network fraud from the source.

Anyone who sells, rents or lends his bank card or telephone card is suspected of telecommunication network fraud and other illegal crimes will be investigated for legal responsibility according to law!

Since June 5438+1October 65438+1October, 2020, the national "Card Breaking Action" deployment meeting of the State Council Inter-ministerial Joint Conference on Combating and Governing New Crimes in Telecommunication Networks has been held, and the "Card Breaking Action" has been launched in all walks of life in China.

Nowadays, with the "card-breaking operation" entering a critical period, many banks have responded to the "card-breaking operation" and started to clean up personal bank accounts that have not been used for a long time.

1, Industrial and Commercial Bank of China

Release date: 202 1 August 1

Clearance scope: From August 20th, 20021,for accounts with no active customer transactions for more than two consecutive years (including two years), the account balance is less than or equal to RMB 10 yuan, and there are no personal loans, deposits, funds, wealth management and other businesses, the account function is adjusted to non-counter business only.

2. China Construction Bank

Release date: 202 1 1.5.

Scope of liquidation: As of June 3, 2020, there were no active transactions such as cash deposit and withdrawal, transfer, etc. for more than three consecutive years (including three years), the account balance was zero, and there were no debit card, quasi-credit card and current passbook accounts with contractual relationships such as agreed repayment by credit card and personal loan repayment.

3. Agricultural Bank of China

Release date: February 8, 20021year

Clearance scope: as of June 65438+February 3, 20201,debit cards that have not been traded for more than three years (including three years), with zero deposits in the main account and sub-account of the card and no other related business.

4. China Postal Savings Bank

Release date: 165438+20201October 23rd.

Liquidation scope: the last transaction of personal current deposit account is more than 3 years; Within three years from the value date, there is no business in the term double convenience account; If the lump-sum deposit and withdrawal time savings account (including deposit slip) is not agreed to be transferred, no business has occurred for 3 years after its expiration (the agreed transfer is not set as a long-term time account).

5. Ping An Bank

Release date: April 23rd, 20021year

Clearance scope: (1) Long-term fixed account: as of June 65438+February 3, 20201,there has been no active transaction such as cash deposit and withdrawal or transfer for more than two consecutive years (including two years), the account balance is 0 yuan, and there is no contractual relationship such as credit card repayment and personal loan repayment. (2) One person with multiple accounts: the same customer holds five or more normal or inactive personal bank settlement accounts in our bank.

6. China CITIC Bank

Release date: 20265438+April 23rd 0 Cleaning scope: Class I households: the number of customers held by the same person exceeds 4; Class II households: the number of customers held by the same person exceeds 5; Class III households: the number of customers held by the same person exceeds 5.

7. Industrial Bank

Release date: April 23rd, 20021year

Liquidation scope: (1) One person with multiple accounts: the same customer holds five or more personal RMB bank settlement accounts in our bank as Class I accounts; Or the same customer holds four or more personal debit cards in our bank (except social security cards, medical insurance cards and military security cards). (2) Sleep account: personal RMB bank settlement account (except financial social security card and provident fund card) with an account balance of 10 yuan or below, without any personal loan repayment, savings bonds, withholding, tripartite depository and other signing relationships, and without any interest-free transaction in the account for more than two consecutive years (inclusive).

8. China Everbright Bank

Release date: May 6, 20021year

Scope of cleaning: cleaning up personal sleep accounts and long-term inactive accounts, focusing on cleaning up the situation that one person holds more than four Class I cards of China Everbright Bank.

9. Shanghai Pudong Development Bank

Release date: April 7, 20021year

Scope of clearing: The situation that the same customer holds more than 20 bank cards for Class I settlement account, 5 bank cards for Class II settlement account and 5 bank cards for Class III settlement account in our bank will be gradually cleared.

10, Minsheng Bank

Release date: 2021February 22nd.

Cleaning scope: accounts with the same customer's name exceeding the standard (1category I or category 5 II or category 5 III).

The clean-up policy is getting stricter and stricter, and the scope of clean-up is getting wider and wider. You can check your bank card according to the following bank cleaning policy. If you have an account within the cleaning range and want to continue to use it, you can activate the account as needed.

(Fake boatman)