Why is it so difficult for banks to open cards now? Some banks stopped issuing new cards.

Since last year, I believe that when people go to banks to apply for new bank cards, they find it very difficult, and even many banks refuse to open bank cards.

This is a big contrast with the past. In the past, in order to expand business, banks encouraged everyone to apply for bank cards, and even banks would actively compete for various new card businesses. For example, when the school starts, the bank will rob the business, the company will have new employees, and the bank will also rob the bank card business.

Even many bank employees have the task of handling cards. For example, some bank employees have relatives and friends around them, and often pull them to their own banks to apply for new bank cards, so as to complete their tasks.

It is precisely because of this that the growth rate of bank cards in China has been very rapid in recent ten years. According to the data reported by the central bank, by the first half of 2022, 9.299 billion bank cards had been opened nationwide, including 8.493 billion debit cards and 807 million debit cards and credit cards, equivalent to only 6.58 bank cards per capita.

However, it can be clearly seen that the number of bank cards of major banks has dropped significantly in the last year. For example, as of the end of the second quarter of 2022, the number of bank cards nationwide decreased by 0.2 1%, of which debit cards decreased by 0.28%.

This is in sharp contrast to the rapid growth of the number of bank cards in major banks in previous years. Why is this happening?

In fact, the most fundamental reason is that the requirements of banks for handling cards are getting stricter and stricter, and it is getting harder and harder to handle bank cards. In addition, banks will clean up some stock cards, resulting in a continuous decline in the total number of bank cards.

Then why doesn't the bank give you a card now? Don't they want to make money?

In fact, it's not that the bank doesn't want to give you a bank card, but because the country's requirements for opening a new card are getting stricter and stricter, so the bank's qualification review of customers is getting stricter and stricter, and it resolutely refuses to meet the conditions.

At present, it is very strict to handle bank cards in banks. Basically, you have to provide several materials, such as ID card, telephone number with real-name authentication for more than half a year, proof of address, proof of work, and some banks even require you to provide proof of water and electricity charges.

Then why are the bank's card requirements so strict now? In fact, to put it bluntly, it is to prevent telecom fraud.

In recent ten years, with the continuous emergence of various new communication means such as the Internet, telecom fraud has become more and more frequent.

For example, according to the data released by the Ministry of Public Security, in 20021year, the public security organs cracked more than 44 1 10,000 telecom fraud cases, arrested more than 690,000 criminal suspects, destroyed 39,000 "two certificates" criminal groups, and recovered and returned the funds of the deceived people by 654.38+0.2 billion yuan.

In addition, through the anti-fraud system, the amount involved in the case was stopped urgently by 320 billion yuan, 654.38+0.55 billion telecom frauds and 654.38+0.76 billion fraudulent short messages were intercepted, successfully preventing more than 28 million people from being deceived.

It can be seen that telecom fraud is really rampant in recent years, which has caused great losses to everyone.

Then why are these telecom frauds so rampant? In fact, there is another important reason. A large number of people in society have some idle bank cards and telecom cards, and then these telecom fraud groups buy these people's bank cards through purchase or lease to engage in telecom fraud.

Using these bank cards to engage in telecom fraud is very concealed, and sometimes it is impossible to trace the whereabouts of funds. Therefore, many telecom frauds can go unpunished.

In order to put an end to this kind of telecom fraud, China's regulatory authorities began to implement the card-breaking action, that is, to cut off some criminal tools such as bank cards and telecom cards.

In order to cooperate with the card-breaking action of the regulatory authorities, in fact, since 20 19, the management of bank cards by major banks has become more and more strict.

First, it's getting harder and harder to open a new card.

In the past, it was very simple for everyone to open a bank card. Just show your ID card and pay the cost 10 yuan. Even many banks allow the same customer to handle multiple bank cards.

However, in the last two years, many banks have required the same bank to open only one bank card, and you must provide enough information to prove that this card is for your own use before you can open it.

Second, clean up the stock card.

In addition to controlling the risk from the card opening link, in fact, from the end of 20021,major banks began to clean up the existing cards.

At the end of 20021,the four major state-owned banks issued a document at the same time, which will regularly clean up those bank cards that have not been used for a long time and have a balance of 0. Some banks require that there is no transaction for more than 18 months, and the balance is 0, so it can be cancelled directly.

Or if there is a balance on the bank card, but it is not used for a long time, the bank may also be listed in sleep card for freezing, which can effectively prevent these idle bank cards from being used by telecom fraud groups to engage in illegal and criminal activities.

Third, strengthen the supervision of bank running water.

The banking system has always had an anti-money laundering monitoring system. If the bank finds some money laundering crimes during the monitoring process, it will submit the customer's transaction information to the anti-money laundering center of the central bank.

It's just that the monitoring may not be so strict in the past, but since the card opening operation, the bank's monitoring of the user's bank flow has become more and more strict. If the bank finds that there are some obvious anomalies in the user's bank card transaction flow.

For example, the transaction amount does not match the customer's professional identity, and the funds flow in and out quickly; Centralized and decentralized remittance of funds, or decentralized and centralized remittance, large cash deposits and withdrawals, transactions between accounts, and some abnormal accounts may be targeted by banks.

Once the bank thinks that the transaction flow is suspicious, the bank will freeze it according to the requirements of the regulatory authorities. At this time, users must submit relevant information to prove that this traffic is normal income. If they can't provide proof, they can't unfreeze.

So we have seen that many users' bank cards have been frozen in recent years, especially those engaged in foreign trade.

After strengthening the management of bank cards, telecom fraud activities have indeed decreased significantly in the last year. According to the data released by the public security department, from June to February, 2002 1 year, the number of telecommunication network fraud cases dropped for seven consecutive months, which effectively safeguarded the vital interests of the broad masses.

And I believe that in the future, the management of bank cards will become more and more strict, and the opening of cards will become more and more strict. If you already have many bank cards, it will be difficult to open other bank cards at the bank.

Of course, if the purpose of opening a bank card is serious, not for criminal activities, you can still open the card normally as long as you provide valid proof materials according to the requirements of the bank, so don't worry.