The bank's "card disconnection" campaign continues to be implemented

The bank's "card disconnection" campaign continues to be implemented

The bank's "card disconnection" campaign continues to be implemented, and the bank's "card disconnection" campaign continues to be implemented. "The operation is still in progress, and bank card balances below 10 yuan are also included in the scope of investigation and cleanup. Since last year, many banks have issued announcements on cleaning up dormant accounts, and banks' "card disconnection" actions continue to be implemented.

The bank's "card disconnection" campaign continues to be implemented 1

With the rapid development of our country's society, the use of bank cards and credit cards seems to be everywhere in our lives. From old people's pensions to children's tuition fees, daily wages, and loans, they are used in almost every aspect of life. The passbooks that parents could often see in the past are becoming increasingly rare. However, with the popularity of bank cards and credit cards in life, problems have slowly arisen.

According to reliable statistics, the number of bank cards issued nationwide has reached 4.8 billion, but in fact, the number of people actually using bank cards has not reached this number.

In January this year, many major banks including Industrial and Commercial Bank of China, China Construction Bank, and Postal Bank issued announcements. Some users' accounts will be cleaned up. Most of these cleared accounts are accounts that have not been used for a long time and have a zero balance.

Then you must have questions, why does the country want to clean up sleep accounts? Do you have a bank card that you no longer use?

1. What does the card clearing action mean?

According to announcements issued by various banks, the bank card has not had any active transactions for a long time and the balance in the bank card account is zero, and has not been If you sign a credit card or personal loan account, the account functions will be restricted.

The announcement stated that there are two main types of accounts to be cleared. One is the "sleeping account" with an account balance of zero and no active transactions for a long time. The second category is when individuals have opened more bank card accounts at the same bank than the bank's number stipulates. These two types of bank card accounts will be cleared. Each bank has different standards for card clearance operations. Take Postal Bank as an example:

Postal Bank announced that it will gradually conduct batches of personal settlement accounts under the same customer's name that exceed the standards before June 30, 2021. (i.e. 1 type I household, 5 type II households, and 5 type III households). If there are any of the above problems in a personal account, I should hold a valid ID and go to any outlet to register, downgrade and cancel the account as soon as possible. If the account is overdue, financial restrictions will be imposed on the account.

It can be found that each bank has different policies for card clearance operations. Some banks will cancel the account directly. In this case, you need to check your account frequently, important accounts need to be transferred regularly, and there is also a freezing process similar to Postal Bank, which requires users to go to the bank to activate it before they can use it again.

Not only the big banks have started the "card clearance" operation, but some small banks are also carrying out the "card clearance" operation. This kind of action can not only bring us certain benefits in cities, but also be of great benefit to local residents in villages or counties who do not know how to use bank accounts.

The card cleaning operations of some banks have expanded from cleaning up personal accounts to cleaning up corporate accounts. Not only personal accounts, banks will also clean up corporate accounts. Banks will clean up corporate accounts that have not had any collection or payment activity for more than one year and do not owe the bank any debt. Customers with corporate accounts can check the notices from each bank and go to the bank to handle the matter within 30 days. If the corporate account expires and has not been processed, it will be automatically closed.

2. The purpose of the card clearing action

Maybe most readers do not understand the meaning of the card clearing action. The card clearing action may also bring trouble to a user. When I went to the bank to use my bank card, I found that my bank card had been frozen or canceled and I couldn't use it. We will know what the purpose of this is after reading the following article.

In fact, the main purpose of the "clear card" operation is to facilitate banks' management of personal bank accounts, supervise users' bank accounts, and prevent information leakage from causing users to be defrauded.

Excessive bank card accounts will lead to excessive bank management costs and too many dormant cards. Cleaning up sleep cards can also reduce the bank's management costs for sleep cards. At the same time, if there are too many bank accounts, it will easily lead to bank account leakage and users may be exposed to the network.

We can open the search engine and search for bank card leaks, and we will find that there are many news about this kind of information being leaked. Nowadays, many of the networks we see in the news use bank card information leakage to lead users step by step into the trap of criminals and lead to being defrauded.

For credit cards that have not been used for a long time, although they are no longer used, the maintenance fee of the credit card will continue to be deducted. Long-term deductions will cause users to have credit problems. Therefore, it is very important to carry out the "clearance" operation.

3. The "clearance card" action is related to the Internet

From the "Modern Network Industry Analysis Report", we can learn that many of the current new network technologies are related to personal information. In relation to breaches, they network by exploiting the personal information of compromised victims.

Statistics show that from January to September 2015, the Liewang platform *** received 20,086 online cases reported by netizens across the country, involving a total amount of 89.01 million yuan, and an average loss per capita of 4,431 yuan. However, this number is only the tip of the iceberg of the number of cyber crimes nationwide.

With the development of the Internet, there are more and more channels for obtaining information, and the methods of scammers are becoming more and more powerful. But as long as you protect your personal information and don't tell others your account and password at will, you can also protect yourself from the Internet.

Although the country has many policies and countermeasures, we must also start to solve the problem ourselves. The "clearance card" action is an effective way.

In the process of carrying out the "clearance card" operation. 23 provinces across the country have carried out arrests on the use of virtual currencies for online activities. The general police have eliminated more than 170 illegal and criminal gangs and arrested more than 1,100 illegal criminals. These gangs obtain personal bank card information and induce victims to use their personal bank cards to exchange virtual currencies on various virtual trading platforms, becoming "coin farmers" who help them.

4. What to do if the card is cleared

Although major banks have begun to "clear cards", various announcements also indicate that different banks "clear cards" The standards are not the same and each bank has its own policy. Some banks will clear and cancel accounts that have not been used for a long time and excessive accounts, but some banks will freeze the user's account, making transfer operations impossible, and requires personal activation before it can be used again.

The ultimate purpose of the "Card Clearance" operation is to implement supervision, prevent people from being networked, and protect the safety of customers and accounts. But some people will say that they suddenly find that they can no longer use their bank card that they have not used for a long time. If this happens, you can consult the bank's policy. Each bank's policy is different. Maybe your bank card just needs to be reactivated.

In daily life, we should develop the habit of organizing our bank cards frequently. It is important that bank cards be transferred and withdrawn regularly to prevent our bank cards from being cleared. This is not only to avoid unnecessary troubles such as important accounts being cleared, but also to protect our personal accounts and prevent our information from being leaked to criminals. At the same time, we can also go to the bank to apply for cancellation of bank cards that are no longer needed.

We need to reduce the number of bank cards we use, and develop the habit of sorting out our own bank cards regularly. This can not only develop good habits, but also effectively prevent the problems that the Internet has brought to us. loss. So do you have any “sleep cards” in your home that you no longer need?

The bank's "card disconnection" operation continues to be implemented 2

The bank's "card disconnection" operation is still in progress, and the balance in the bank card is less than 10 yuan, which also falls within the scope of investigation and cleanup.

According to an announcement issued by ICBC, as of January 10, 2022, there have been no active customer transactions for more than three consecutive years (including three years), the current account balance is less than 10 yuan, and no credit card or personal transactions have been signed. Accounts with loan repayments and other collection and payment agreements are included in the scope of ICBC's investigation and cleanup.

At the same time, according to the "Securities Daily" reporter, since last year, many banks have issued relevant announcements on "sleeping accounts", and the scope of cleanup and investigation is constantly being upgraded.

The scope of cleanup has been expanded

According to the "Notice on Carrying out Investigation of Personal Bank Accounts for "Long-term Immobility" and "One Person with Multiple Accounts" issued by the Industrial and Commercial Bank of China on January 11, 2022 Today, ICBC will gradually implement account function adjustments for personal bank accounts that have been immobile for a long time.

In addition, individuals open multiple settlement accounts to meet the requirements of holding more than 4 Class I personal settlement accounts under the same customer name, and do not justify the use of multiple accounts at ICBC business outlets. It is explained that the account function is adjusted to only receive but not pay.

The "Securities Daily" reporter consulted ICBC customer service and learned that if the user's account is within the scope of the "long-term immobile" bank account screening and wants to continue to use it, he must complete a process before January 10, 2022. An active account transaction is deemed to be an account activation. Accounts that have not been activated after the due date will have their account functions adjusted to only collection but no payment.

In fact, this is not the first time that ICBC has issued an announcement on cleaning up dormant accounts. As early as July 2021, ICBC issued the "Notice on Cleaning Up Long-term Inactivity Personal Bank Accounts" stating that it will We will clean up personal bank accounts (debit cards and current passbooks) that users have not used for a long time. At that time, the bank was cleaning up "sleeping accounts" in multiple areas, from "long-term non-accounts" to "one person with multiple accounts". Excessive accounts under the same customer's name will also be canceled by the bank.

Comparison found that the scope of this round of sleep account cleanup has been expanded. In the past, accounts with zero balance may be classified as sleep accounts, but this time the cleanup stipulates that account balances less than 10 yuan may also be included. Sleep account.

Wang Pengbo, a senior analyst in the financial industry of Broadcom Consulting, told a reporter from Securities Daily that at present, the scope of banks’ cleanup of “sleeping accounts” is indeed escalating. "Cleaning up 'sleeping accounts' is not only a manifestation of banking institutions' active implementation of regulatory policies, but also an effective way to ensure the safety of customer account funds."

The results of the cleanup are evident

In fact, since last year, Many banks have issued announcements on cleaning up dormant accounts, and banks are also escalating the scope of cleaning up dormant accounts. For example. Last year, Everbright Bank also launched a cleanup of personal dormant accounts and long-term immobile accounts, focusing on the situation where one person holds more than 4 Class I cards of the bank; Ping An Bank and Industrial Bank also issued announcements on cleaning up existing accounts. The scope includes "one person with multiple accounts" and "long-term fixed accounts", etc.

Through the collaboration of multiple organizations, the results of sleep account cleanup are remarkable. According to data released by the People's Bank of China (hereinafter referred to as the "Central Bank") in the "Card Disconnection" campaign in November 2021, the central bank urged banks and payment institutions to clean up "immovable accounts", "multiple cards per person" and frequently report losses and replace cards, etc. There are 1.48 billion abnormal bank accounts. It also strictly investigated fraud and irregularities in the payment field, carried out special inspections on more than 130 banks and payment institutions, and suspended account opening operations at 620 bank outlets for one to six months. According to a report from the National "Card Disconnection" Action Promotion Conference, the number of telecom network crime cases nationwide has dropped for three consecutive months, and the average monthly number of bank accounts of units involved in the case has dropped significantly year-on-year.

Wang Pengbo said that public data shows that individuals and financial institutions will be punished for violations, and regulatory penalties for telecommunications are constantly strengthening. This is the case for many financial institutions since last year and this year. The reason for upgrading the scope of sleep account cleanup is also a manifestation of financial institutions' active performance of their responsibilities.

Yu Baicheng, president of Lingyi Research Institute, told a reporter from Securities Daily that for banking institutions, it is a win-win situation to continuously upgrade and clean up dormant accounts. Cleaning up abnormal accounts can improve the efficiency of account resources and facilitate banks. More refined management to prevent risks.

For individual users, it can also prevent the risk of telecommunications fraud and ensure the safety of funds.

The bank's "card disconnection" campaign continues to be implemented 3

Recently, many institutions including China Construction Bank, Agricultural Bank of China, Postal Savings Bank of China, etc. have successively issued announcements regarding long-term immobility. Clean up the "sleeping accounts" and excess stock accounts. Experts said that banks’ cleaning up of abnormal accounts such as “sleeping accounts” is a concrete manifestation of their active response to the “card disconnection operation”. On the one hand, it can improve the operational efficiency of the institution itself, and on the other hand, it can help improve compliance and prevent the risk of illegal abuse. .

Will the bank’s cleaning up of abnormal accounts affect user rights? The reporter learned that the bank has taken some measures to protect the rights and interests of users in the process of cleaning up abnormal accounts. In this regard, experts suggest that individual users should also establish awareness of inventory and risk management, and redundant accounts should be canceled in a timely manner to reduce the risk of illegal use.

The cleanup standards of each bank are different

Recently, many institutions including Agricultural Bank of China, China Construction Bank, Postal Savings Bank of China, etc. have issued relevant announcements regarding "banks that have not moved for a long time" "Sleep account" and excess stock accounts will be cleaned up.

On February 8, the Agricultural Bank of China issued an announcement stating that starting from March 10, it will carry out the liquidation of individual long-term non-resident accounts. The scope of cleanup is debit cards that have no transactions for more than three years (including three years), have a main account and sub-account balance of 0, and have no other related businesses.

On January 5, China Construction Bank issued an announcement to clean up long-term immobile accounts. According to the announcement, as of October 31, 2020, if the bank card account balance is 0 for more than three consecutive years (including three years), and there is no transaction record, that is, no deposit, withdrawal, or transfer has occurred Transactions will be included in the scope of cleanup. However, special bank cards such as military security cards, armed police general cards, retired military service cards, financial social security cards and provident fund cards are not within the scope of this cleanup.

According to incomplete statistics from reporters, as of now, more than ten banks, including Agricultural Bank of China, China Construction Bank, Postal Savings Bank, China CITIC Bank, etc., have stated that they will clean up "sleeping accounts".

In addition, multiple settlement accounts opened by individuals are also included in the scope of cleanup by banks, and the standards of each bank are different. According to announcements from Minsheng Bank and Postal Savings Bank of China, under the same customer's name, if there are more than 1 Type I account, more than 5 Type II accounts, or more than 5 Type III accounts, they are all within the scope of liquidation. According to an announcement from China Minsheng Bank, transactions by the same customer holding one hundred or more normal or inactive personal settlement accounts with the bank will be restricted.

According to central bank statistics, as of the end of the third quarter of 2020, my country's *** had 12.092 billion personal bank accounts, and the per capita number of bank accounts reached 8.64.

Actively respond to the "Card Disconnection Action"

Experts said that the bank's cleaning up of abnormal accounts such as "sleep accounts" is a concrete manifestation of actively responding to the "Card Disconnection Action". On the one hand, it can improve The organization's own operational efficiency, on the other hand, helps improve compliance and prevent risks.

“In recent years, the focus of anti-crime work has gradually shifted from post-event punishment to in-process monitoring, and various risk prevention processes have been put in place. Criminal activities such as telecommunications and cross-border gambling are inseparable from capital flow. Including account systems and payments, therefore, bank accounts, payment links, etc. have gradually become the focus of regulatory attention." Su Xiaorui, an expert in the retail finance industry, said that the main risk of some "sleep accounts" is that they are easily exploited illegally and become illegal in telecommunications and other crimes. Tools of criminal activity. Specifically, there are two situations: one is active use, that is, criminals specialize in illegal bank card sales and transactions through "card raising" and other forms; one is passive use, that is, individual users' idle or lost bank cards are targeted by criminals .

Some people from commercial banks told reporters that there is someone who has thousands of accounts in one bank, and there is indeed room and possibility for illegal operations.

In October 2020, the Inter-ministerial Joint Meeting of the State Council on Combating New Illegal Crimes in Telecom Networks deployed a nationwide "card breaking" operation to target units that rent, sell, lend, or purchase bank accounts or payment accounts. Punish individuals and relevant organizers.

According to the "Notice on Strengthening Payment and Settlement Management to Prevent New Illegal Crimes in Telecom Networks" issued by the Central Bank in 2016, starting from December 1, 2016, the same person can only open a bank account at the same bank. Open a Type I account (bank settlement account, including bank card), and you can only open one Type III account at the same payment institution. The notice also pointed out that banks should investigate and clear up cases where a large number of accounts are opened by the same depositor, and require depositors to provide explanations to verify the rationality of their account openings. For those who cannot verify the rationality of opening an account, the bank should guide depositors to cancel or merge accounts, or take measures such as downgrading account categories, so that depositors can use the account classification mechanism to reasonably store funds and protect the safety of funds.

Users should cancel redundant accounts in a timely manner

Will the bank’s cleanup of abnormal accounts affect user rights? In this regard, Dong Ximiao, chief researcher of China Merchants Union Financial, said that the bank's cleanup of "sleeping accounts" has been ongoing over the years, mainly because a large number of "sleeping accounts" have occupied bank resources. After the cleanup, the related account maintenance costs can be eliminated. Saved, financial resources can also be used to serve real customers. "Most of the 'sleeping accounts' have not had transactions for a long time, so the cleanup will not have a big impact on customers, but banks must also do a good job in informing them," he said.

The reporter learned that the bank has taken some measures to protect the rights and interests of users in the process of cleaning up abnormal accounts. Some accounts that have been "cleared" by the bank may have been "restricted" rather than being closed directly or permanently. For example, according to the Postal Savings Bank's announcement, accounts included in the liquidation scope require users to hold valid real-name certificates and go to any bank branch to conduct reasonable registration, downgrade, and account cancellation. For accounts that are not cleared after the due date, the bank will restrict financial services.

On the other hand, some accounts that have been "cleaned" by the bank can be activated again. For example, according to the announcement of the Agricultural Bank of China, if the account included in the cleanup scope still wants to continue to be used, the user can go to the bank branch with his or her ID card to go through the activation procedures within the specified time. The CCB announcement stated that if you do not bring your personal valid ID card and activate it in time within the specified time, if you still want to continue using the card, it is recommended to go to a CCB branch to ask whether it can be activated again.

Su Xiaorui suggested that individual users should establish two types of awareness: one is the awareness of account inventory, regularly sorting out the account and asset status under the personal name, and developing good habits of checking and accounting; the other is the awareness of risk management , increase protection measures in terms of password settings, account login management, etc., and cancel redundant accounts in a timely manner to reduce the risk of being exploited by criminals.

How to clear the credit card after the credit card case is closed

If the credit card case has been closed, it proves that the case has been completed, the party concerned does not need to pay back the money, and the case has been concluded.

"Civil Procedure Law of the People's Republic of China"

Article 257 If any of the following circumstances occurs, the people's ruling shall terminate execution:

(1) The applicant revokes the application;

(2) The legal document based on which the execution is based is revoked;

(3) The citizen who is the person subject to execution dies, and no The estate is available for execution and there is no obligation bearer;

(4) The right holder in the case of claiming alimony, support, or child support dies;

(5) As The citizen subject to execution is unable to repay the loan due to difficulties in living, has no source of income, and has lost the ability to work;

(6) Other circumstances where the people believe that the execution should be terminated.

If I forget to clear my card this month, can I clear it next month?

Yes. But if you don't clear the card, it will be locked after some time. You can't operate it until you go to the tax office next month to unlock it. If you do not clear the card after the lock period, your Golden Tax Card will be locked. You cannot swipe the card yourself. You have to go to the lobby to unlock the card. You can tell the lobby that there is something wrong with the machine. You always want to clean up after yourself.

: 1. The difference between card clearing and liquidation

1. Card clearing: used for tax control invoicing systems that use golden tax cards and IC cards. There are two prerequisites for credit card clearing. You need to successfully file your tax return and electronically file as normal.

First the tax return, then the tax return.

Card clearing is to clear the data in the corporate IC card and authorize continued invoicing until the reporting period next month. If the card is unclear, firstly, the enterprise's anti-counterfeiting tax control and invoicing system will be locked after the declaration period, and secondly, the invoice cannot be purchased.

2. Liquidation: refers to a series of legal procedures in which a company ceases production and operations, all assets are sold off in a short period of time and converted into cash, unpaid debts are paid off in an orderly manner, and the company is dissolved in accordance with legal procedures.

2. What does reporting summary and card clearance mean?

1. The invoice data issued is stored in the golden tax disk or tax control disk. If the invoicing software is damaged or the computer is replaced, there will be no original invoice data in the software after reinstalling the invoicing software. If you want to query the issued invoice information, you need to repair the invoice and restore the previous invoice information in the golden tax disk or tax control disk to the invoicing in software.

2. The main function of the submission summary menu is: when the company is connected to the Internet and starts the tax control invoice issuing software for the first time every month, the system automatically detects the status of the golden tax disk. If the tax payment and declaration conditions during the tax collection period are met, the system automatically completes the report summary, that is, tax payment and remote tax declaration. In other words, under normal conditions, there is no need to manually click the "Report Summary" menu item, the system will automatically report.

3. Swipe the card to clear the tax declaration tray (automatically swipe the card after filing the tax return)

4. The operation of swiping the card is equivalent to unlocking the Golden Tax Card, which can be used in the next month. As long as you have made a remote tax declaration and the query status is successful, you cannot go to the tax bureau to conduct taxes. Or just send paper statements, no tax copies required.

It should be noted that tax declaration and credit card payment can only be made after declaring national tax online, otherwise it will not be successful.

This is the end of the introduction about credit card clearance and credit card clearance processing. Have you found the information you need?