A number of bank officials announced that the "card-breaking operation" began, and the balance in the card could not be spared?

Over the years, bank cards have become our daily necessities, whether it is to deposit or withdraw money or to bind mobile phones for payment. According to statistics, by the end of 22, the total number of bank cards issued in China has exceeded 8.5 billion. Although it includes debit cards, credit cards and quasi-credit cards, the average number of bank cards per capita still exceeds 6.

With so many bank cards per capita, has everyone been using them? The answer is no.

One of the reasons why many people apply for multiple bank cards is because of work needs, such as changing a company and needing to designate a bank card as a salary card; The other is that people are used to using credit cards, but the amount of a single credit card is not enough, so they apply for more.

after changing the salary card, the previous salary card is basically not used; The credit card limit will change with the user's use. When one or two credit cards are increased, the remaining credit cards can only be "dusty" at home.

because of this, although the total number of cards issued in China exceeds 8.5 billion, the "accumulated cards" account for a large part.

Many banks have started to take action against this kind of "accumulated card" with no transaction record for a long time, but the handling standards and processing time of each bank are different. Everyone needs to pay attention to avoid clearing their bank cards as abnormal cards.

Take China Construction Bank as an example, and now it has begun to clean up the "dust card". Its handling norms are mainly based on time. For example, if a bank card has no transaction record for more than three years, and the account balance is zero, and there is no contract relationship at the same time, it will be cleaned up.

as for the postal bank, its "card-breaking action" officially started at the end of June 221, and the processing standard is carried out according to the types of bank cards. For example, an account can only have one first-class card, five second-class cards and five third-class cards. Once it exceeds this range, it will be cleared.

as for other banks, some are cleared according to the transaction period and some according to the account balance.