How is it that the bank card can't be paid?

Unable to pay for things, indicating that the bank card status is abnormal. Some citizens also mentioned that individuals went to outlets to open new cards, and bank approvals increased significantly. Not only the purpose of opening the card, but also the proof of residence.

Since the beginning of this year, ICBC, China Everbright Bank, China CITIC Bank and other banks have issued notices to clean up substandard "sleep accounts" and "excess accounts" under the same customer name.

A number of banks have made it clear that if a cardholder's multiple settlement accounts have been restricted from trading, the cardholder can show his valid ID card and bank card (discount) to any bank outlet to explain the rationality and downgrade the account.

These "sleep accounts" and "excess accounts" will be cleared.

In addition, "excess account" refers to the situation that the same customer opens two or more types of accounts (bank card and clearing account passbook) at the same bank outlet. For example, the Postal Savings Bank announced that before June 30, 2002 1 year, the number of individual settlement accounts under the same customer's name would be gradually cleared (i.e.1household, 5 households and 5 households).

If the account is restricted from trading

Users can bring relevant information to any bank outlet for handling.

Commercial banks will take the initiative to contact customers through telephone, SMS, mobile banking, online banking and other channels when carrying out the verification and cleaning work of sleep card. According to customers' wishes, measures such as account cancellation, merger and demotion are taken for idle bank cards to ensure the security of bank card information and funds. In addition, many banks have made it clear that if a cardholder's multiple settlement accounts have been restricted from trading, the cardholder can go to any branch of the bank with his valid ID card and bank card (discount) to explain the rationality and downgrade the account.

A number of banks are conducting internal tests on the "one-click card search" service.

Unionpay's risk and safety experts suggest that cardholders should find out the "family background" of their personal accounts in time, and can go to bank outlets to confirm all kinds of bank cards that have been processed;

For bank cards that still need to be used, at the same time of merging accounts, the SMS reminder function of account balance change should be opened as much as possible to keep abreast of account fund changes;

At the same time, it can prevent the password setting from being too simple and reduce the risk of account theft and information leakage;

For personal bank accounts that are temporarily idle, do a good job of bookkeeping and don't buy or sell personal bank accounts. Don't be punished by financial supervision or even violate national laws because of penny wise and pound foolish.

How to check and cancel the bank card that is not commonly used in time? The People's Bank of China said that it will guide China UnionPay and commercial banks to further facilitate personal bank card inquiries on the premise of legal compliance and security.

Recently, China UnionPay has organized a number of commercial banks such as Industrial and Commercial Bank of China, Agricultural Bank of China and China Merchants Bank. Simultaneously carry out function optimization and service docking, carry out internal testing, and strive to open pilot projects to the society in some areas such as Shanghai and Yunnan before the end of the year. Individuals can check their bank card accounts, and on the basis of pilot improvement, they will gradually spread to the whole country to achieve full coverage of commercial banks.

Related Q&A: What does 1 mean? It means to be controlled by the wind and can only accept it. It needs to be changed and restored, and the sooner the better. 2. The status of the bank card will be abnormal under the following circumstances: the card has been reported lost and frozen. If the bank card is lost, the bank will temporarily freeze the card after applying for loss reporting; The password entered incorrectly for more than 3 times that day was locked. Incorrect password input continuously. For security reasons, the card will be temporarily locked. 3. The degaussing of the bank card is unreadable, the card lasts for a long time, or it is easy to degauss with other items. The bank card has been cancelled. Bank card fees or other arrears are frozen by the bank. The bank card account has been frozen by the judiciary, and the bank card has not been renewed after its expiration. 4, the second clearing POS machine set code, jump code At present, the second clearing machine is flooding in the market. Because some of them use the big merchant model, the credit card consumption record is in a state of chaos! In a similar situation, there will be credit card swiping records in several different cities within one day, which is very easy to be seized by bank monitoring.