Sleep card is divided into debit card sleep card, quasi-credit card sleep card and credit card sleep card. Debit card sleep card refers to the card that the cardholder has not initiated for more than 12 months (excluding interest settlement and inquiry) and the deposit balance is lower than 10 yuan;
Quasi-credit card sleep card refers to a card with a balance of less than 10 yuan, where the cardholder has not initiated financial transactions (excluding interest settlement and inquiry) for more than 6 consecutive months;
A credit card sleep card refers to a card with a balance of less than 10 yuan, where the cardholder has not initiated financial transactions (excluding interest settlement and inquiry) for more than 6 consecutive months.
In the industry, the so-called sleep card is defined as a card that has not been used at all for a certain period of time or a card that has not been enabled and activated for a newly applied card. We call it sleep card. After the card is activated, it has not been used once in one year. We regard it as a quasi-sleep, low-use or rarely-used card.
The domestic credit card circulation is increasing every year, and banks invest a lot of manpower and material resources in the issuance of credit cards every year, but the activation rate and utilization rate of credit cards issued are relatively low, which leads to a lot of financial and material resources wasted by banks. It is reported that at present, the activation rate of credit cards in China is below 40%, which is highly probable in sleep card. The issuance cost of each credit card is 100 yuan, which is equivalent to the bank wasting more than 60 yuan on each credit card.
The emergence of sleep card is directly related to the quick success and instant benefit of banks in the process of developing credit card customers. At present, domestic banks are desperately issuing credit cards, and a large number of business personnel wander in residential areas, office buildings and even university campuses.
In order to carve up the profit cake in the potential market, banks have tried their best and marketing methods have emerged one after another. Gifts and giveaways are essential. They not only do cards everywhere online, but also encourage one person to do multiple cards and even lower the threshold for doing cards. In the eyes of credit card marketers, there are many benefits of multi-card, and as for the cost, it is often not mentioned.
Psychological problems of consumers. Many consumers value the gift of cards, and some consumers have many "personal cards". Secondly, cardholders have poor awareness of using cards, and many consumers are not used to using cards.
There are also many factors such as the product positioning of bank credit cards and the additional functions provided. If credit cards can really bring convenience and tangible benefits to cardholders, their loyalty will also be enhanced, which will effectively solve too many problems in sleep card.