What does the deposit amount of postal currency card 0042 mean? More than 500 for no reason.

The operation of the Postal Savings Bank shows that 0042 deposits insurance-related money. Generally, it is the subsidy funds distributed by insurance. It is recommended to check with the bank before using it.

First, how to deal with the extra money in the bank account?

1. When you encounter a similar situation in which a sum of money is suddenly added to the bank account and the other party asks you to return it, you must be calm, don't operate by yourself, explain the situation directly to the bank or call the police directly;

2. In daily life, everyone must pay attention to protecting personal information, avoiding the disclosure of personal information and preventing criminals from using personal information for illegal activities.

3. If you are cheated, please keep the transfer record and call the police in time.

4. Unauthorized misappropriation is prohibited. Misappropriating the excess money in the account and refusing to repay it will be investigated for legal responsibility.

Second, the correct use of bank cards

1. Service life of bank cards. It is best to put the bank card in a hard leather wallet, not too close to the magnetic buckle; Prevent sharp objects from being worn, scratched, twisted or damaged; Do not store them together or put them back to back, so as not to rub the magnetic strips against each other. Don't put the card in the range of high magnetic appliances such as microwave ovens and refrigerators, and try not to put it with magnetic objects such as mobile phones, computers and palmtop computers to avoid degaussing;

2. Keep the bank card properly: Please store the bank card and ID card separately. Don't put your wallet with your bank card in your coat pocket, or put it in your car or locker in some public places where you need to put your coat. Don't lend it to others, and don't disclose the bank card number and password at will. Remember to copy the card number and the customer service phone number of the post office separately, keep it properly, and contact in time in case of an accident.

3. Don't have too many bank cards. Through comprehensive comparison, the functions of multiple cards are integrated. Choose a bank card tailored for yourself to improve the management efficiency of personal funds. Cancel unused bank cards as soon as possible to reduce unnecessary expenses.

4. Pay attention when collecting bank cards: When handling bank cards or having to reissue new cards for some reason, if you collect them at the post office outlets, check whether the password envelope is intact. If you still haven't received the letter after a period of time, you should ask the issuing post office whether the card has been sent, and check the address to avoid the risk of being lost or stolen in the middle.

5. Understand the restrictions on the amount and number of withdrawals from ATM machines: Generally speaking, the card-issuing post office determines the cumulative limit, single maximum limit or daily withdrawal times for its bank card at ATM machines under the basic regulations of the People's Bank of China. When international cards withdraw money abroad, there will also be restrictions on the amount and number of withdrawals, so as to avoid the embarrassing scene that money cannot be spit out.

6. Be careful when spending abroad: there are three columns on the bank card purchase list: basic consumption amount, tip and total amount. The total amount must be calculated correctly. Write one more zero, and the tip will be more. Be sure to remind you to pay attention to the currency of the purchase order when you swipe your card abroad.

7. Sign the card: When the cardholder gives it to the merchant cashier, try to keep the card within his sight and pay attention to the number of times the cashier swipes the card. Carefully check whether there is any error in the amount and currency on the purchase order, and the signature style should be as consistent as possible with the signature on the back of the card.

8. Abnormal transaction handling: As long as the POS documents are not printed successfully during credit card consumption, the transaction is considered unsuccessful, but it does not include paper jam and paper shortage. When the transaction is unsuccessful, you can check the card status and account balance to confirm whether the card status is normal and whether the unsuccessful consumption amount is recorded.

9. How to change or stop the card: When you ask the bank to change the card because the magnetic stripe of the old card is damaged or the card is expired, the bank will issue you a new bank card. After receiving the new card, check whether the card numbers of the old and new cards are consistent and pay attention to the service life. If it is a lost or stolen new card, the card number will be completely different from the old card. After receiving the new card, you should complete the card opening procedure first. When you take the initiative to apply for card suspension, please contact the bank by phone before cutting the card and sending it back to ensure that your card is no longer used.