The bank will clean up “sleeping cards”. What worries do users have?

Users are mainly worried that the money on their idle bank cards has been taken away. During this period, banks have begun to clean up those "sleeping cards" that are often not used. Many people have also received a lot of text messages on their mobile phones. These text messages are basically sent to you by the bank to freeze or clear the information on "sleeping cards", but Many people may have regarded these text messages as spam messages, so they did not pay attention. When they went to the bank, they discovered that their cards had not been cleared. Many people are also worried. They are worried that they still have cash in their previously idle cards, and they are worried that they will suffer losses after clearing them out.

Professionals pointed out that many people apply for many bank numbers because of changing workplaces or other reasons. After applying, they sit idle at home without using them. First of all, this is a waste of resources. These card numbers are bank resources. Once an individual uses too many, it will cause a shortage of bank account resources. Moreover, too many bank cards will also be a challenge to personal capital and wealth management. Therefore, it is necessary to clean up bank cards that have not been used for a long time.

But the crux of the problem is that the standards for withdrawing bank cards are different between banks. This has caused many individual customers to express concerns. In many cases, they may not even know which card is being withdrawn. There is still money in the card. Once it is cleared, I will definitely suffer an additional loss.

Reference materials:

Wang Zhiwei believes: "For "sleeping cards", there is currently no unified identification standard across the country, and it is inevitable that there will be a variety of operations. There may not be a unified standard, but there should be guiding principles. For example, if there is money in the account, it cannot be cleared. Even if it is cleared, transaction records must be kept. Don’t let the sword that kills crime hurt legitimate users. ? If the bank provides proactive services, the user experience will be better. ?Zhao Shuyang said that he is a graduate majoring in finance and is well aware of the benefits of cleaning up the "Sleeping Card" to the country and individuals. However, if the bank proactively provides services and gives warm reminders for different types of "sleeping cards" and calls to inform them before canceling, instead of letting users check whether the bank card has been canceled, it will save users a lot of unnecessary time.