How long will the record be permanently erased after the bank card is cancelled?

After the cancellation of the bank card, the card issuer will regularly record and clean up the account details. In other words, if it is not cleared, you can query the records since the account was opened. After clearing, the records in the account will be permanently cleared. As for the time to clean up the system, it is up to the branch to decide, that is, the time to permanently erase the record after the bank card is cancelled is uncertain. If there is important information in the account details, it is recommended to print the details before applying for cancellation of the bank card.

But generally speaking, bank transactions will be kept for 3-6 months, but personal information will always be kept. All banks have established customer information service centers to store the basic information of all customers who have opened accounts in banks and will not be deleted. Unless the business outlets apply to the Head Office for transaction information, they will not be able to inquire about the transaction records after the transaction is cancelled for more than 6 months. Account information cannot be found through the counterparty account of the account. According to the contract signed between the bank and the customer, the bank requires the customer to replace the original magnetic stripe card with a chip card, which is a unilateral change of the original contract. We should negotiate with consumers to minimize the adverse effects on them. The bank's card changing behavior will bring a lot of inconvenience to consumers, such as it takes time and energy to change cards, and it will also bring inconvenience to consumers.

If you don't want to use a bank card, you can cancel your account directly at the bank counter with your ID card and bank card.

Account cancellation process:

1. Cardholders bring relevant certificates to the bank counter to verify their identity. (The main confirmation is that the bank card holder cancels the account)

2. Enter the bank card password to confirm that there is no balance in the bank card account. If there is still a balance in the bank card, the cardholder can choose to withdraw money directly or transfer it to other bank card accounts to complete the bank card account settlement.

3. Cancel the bank card, cancel the association with online banking, and bind the mobile phone number.

The difference between reporting the loss and canceling the bank card is that the money in the card will be frozen by the bank after reporting the loss, and the account number still exists, which can still be used after the card is reissued. This is not the case with bank card cancellation. After the bank card is cancelled, the account number does not exist and the bank card is restored. After the bank takes back the bank card, it will cancel the invalid bank card. We used to deposit and withdraw money in the bank by passbook or deposit slip. After the emergence of bank cards, because of convenience, basically everyone has several bank cards of big banks, which is convenient for handling business in banks. What if the bank card is lost or stolen? We should report the loss to the business hall where the bank card is located in time. If it's too late, we can call the customer service department of the bank.