Bank cards cannot be transferred. Is it controlled by the wind?

The first reason is that the functions of bank cards are limited. For example, bank cards are frozen by banks, personal assets are seized by courts, and individuals are in areas where bank card issuers cannot provide services. , it will cause the bank card to be unable to transfer money. Not only that, the functional limitations of bank cards caused by the above three reasons are often not limited to the inability to transfer money, and a series of basic functions such as cash withdrawal, inquiry and consumption are likely to be unavailable.

The second major reason is the funding problem of bank cards, and the most common reason is insufficient balance. There is not enough money in the bank card, so it is certainly impossible to complete the transfer fee of the corresponding amount. There may also be cases where the balance is sufficient but the use of the balance is restricted. If the cardholder submits a part of the funds as a term, he can't spend it at will before it expires; Or freezing funds because of the need to apply for asset certificates will cause the money in the bank card to be "visible" but unusable, so it is impossible to transfer money.

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Since the 1970s, due to the rapid development of science and technology, especially the use of electronic computers, the use of bank cards has been expanding. Not only has the circulation of cash and checks been reduced, but the banking business has also undergone fundamental changes because it has broken through the limitations of time and space. The application of bank card automatic settlement system will make the arrival of "no check, no cash society" become a reality soon.

The 20-year development of China's bank card industry can be roughly divided into four stages:

1985 to the early 1990s, is the initial stage.

From the early 1990s to the beginning of 1996, the bank card business was independently developed for branches in large and medium-sized cities. At this stage, the Gold Card Project started.

From 1997 to 200 1 at the end of the year, China bank cards gradually realized the general stage of networking.

Since 200 1, it has been a stage of in-depth development of bank card networking in China, and the number of bank cards issued by various banking institutions in China has increased rapidly.

By the end of the first quarter of 20 10, the number of cards issued nationwide reached 265,438+69 million, up by 14.9% year-on-year. The utilization rate of bank cards has gradually increased, and card consumption accounts for 30% of social consumption. By the end of 20 1 1, the cumulative number of bank cards issued exceeded 2.85 billion, up by 18% year-on-year. Credit card consumption exceeded 16 trillion yuan, a year-on-year increase of more than 50%, accounting for more than 40% of the total retail sales of consumer goods, an increase of about 6 percentage points over 20 10. 20 1 1 year, there are more than 35,000 convenience payment outlets, 47,000 directly connected merchants and 2 10000 POS machines in secondary cities, reaching 15 16000 respectively.

In the whole year, 2.2 trillion yuan and 860 million interbank transactions were realized, accounting for 47.4% and 52% of the national interbank transactions respectively, and the contribution of transaction amount increased by 2.4 percentage points compared with the beginning of the year.

China UnionPay and commercial banks jointly launched the Rich Farmers Card, which has been issued in 28 institutions in 28 provinces across the country, with an annual card issuance of more than 5 million, becoming a new platform for serving agriculture, rural areas and farmers.

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

From August 1 2007, the annual management fee for bank cards was cancelled, and some basic financial service charges of commercial banks were suspended. 20 19 on April 22nd, China unionpay released the report on the development of bank card industry in China (20 19). On August 15, 2020, Baidu Company, baixin bank and China UnionPay launched the first digital bank card in China-Baidu Flash Payment Card. On August 3rd, Kloc-0, China UnionPay released its first digital bank card "UnionPay Unbounded Card".