■ if the cardholder holds too many bank cards, the financial planner recommends that he / she sort them out regularly.
How many bank cards do you have altogether? If the quantity is too large to count, be careful. Recently, Industrial And Commercial Bank Of China Limited(601398) , Bank Of Communications Co.Ltd(601328) and other banks have announced that they will clean up their “sleep accounts”. It is worth noting that the previous account balance of zero may be attributed to the “sleep account”. In this clean-up, some banks stipulate that the account balance less than 10 yuan may also be included in the “sleep account”.
Text / reporter Guo Shuchen
Photo / Chen Lixin
Cleaning range
Expand to current account balance less than 10 yuan
On January 11, ICBC gradually adjusted the account function of “long-term fixed” personal bank accounts. Specifically, as of January 10 this year, accounts with no active transactions for more than three consecutive years, current account balance less than 10 yuan, and no credit card, personal loan repayment and other collection and payment agreements will be included in the adjustment scope.
“Sleep account” refers to an account that has not incurred income and expenditure activities for a long time. The reporter noted that this is not the first time ICBC has cleaned up its “sleep account”. Compared with ICBC’s cleaning up of “long-term immovable” personal bank accounts in July last year, the scope of the bank’s cleaning up of “sleep accounts” has been expanded – the previous account balance of zero may be attributed to “sleep accounts”, while the cleaning up stipulates that the account balance less than 10 yuan may also be included in “sleep accounts”.
Card clearing operation
Prevent cardholders from encountering risks such as telecom fraud
The reporter found that the definition of “sleep account” is not exactly the same among banks. The definition of “sleep account” by bocom is basically similar to that of ICBC. Some banks have shortened the term of “sleep account” to two years. It is stipulated that there are no collection and payment activities for more than two consecutive years, the account balance is less than 10 yuan, there is no debt owed to the bank, and the personal bank accounts without the signing relationship of personal loan repayment, large deposit certificate, financial management and tax payment will be included in the scope of liquidation.
Hua Xia Bank Co.Limited(600015) Chen Lihong, lobby manager of Xiamen branch business department and AFP (Financial Planner) holder, analyzed that recently, a number of financial institutions cleaned up relevant accounts mainly to strengthen account management, ensure the safety of cardholders\’ funds and prevent the risk of Telecom fraud. She believes that the clearing of relevant accounts by financial institutions is a concrete manifestation of the positive response to the “card clearing action”.
“Card clearing action” refers to the clearing of idle bank cards that have not been used for a long time. The action is of great significance to both cardholders and banks. On the one hand, if the cardholder manages the bank card carelessly, it will increase the risk of theft and personal information disclosure, and may also be used by criminals to implement telecom network fraud. On the other hand, the action can improve the bank’s own operation efficiency, save management resources and prevent money laundering risks.
How to log out
Cardholders can bring their ID cards
Go to the bank counter in time
Now, how many bank cards do you have in hand? It is estimated that there are so many people that they can\’t even count 10 fingers. Such an account status is not very “healthy”. Chen Lihong suggested that citizens should regularly sort out their personal accounts and assets, and do not hold too many bank cards. Cardholders can timely go to the bank counter to cancel accounts that have not been used for a long time, so as to avoid their own accounts being used by criminals and reduce the risk of privacy disclosure.
The reporter found that at present, the mobile banking app of some banks can query the number of bank cards. Taking the ICBC mobile banking app as an example, the registered bank cards and bank cards to be added will be displayed in “my account”, which can roughly judge the number of cardholders in the bank. For the detailed account status of the bank card under the cardholder’s name, the cardholder needs to carry the original ID card to the bank outlet for inquiry.
[tips]
What should the cardholder do if he wants to query the previous transaction records after canceling his bank card? The reporter learned that cardholders can carry valid documents such as the original ID card to the bank outlets for inquiry, and can usually query the transaction records of the past two years.
(source: Xiamen Evening News)
