Credit card long-term account usually refers to the settlement account and personal current savings account that units and individuals have not paid for more than one year. Banks are also called long-term stationary households or sleeping households. For a long-term account that has not been paid for one year and has not owed debts to the bank, the bank will notify the depositor to go to the account opening marketing account within 30 days. If the account is overdue, it will be regarded as voluntary cancellation, and the money that has not been transferred out will be classified as a long-term account. If the account is transferred to an overdue account, you can go to the bank to get the balance if you want to restart it, but the original account number of the account cannot be used and you can only open a new account number.

Long-hanging accounts take up a lot of bank resources and are risky. The resources of bank account system occupied by long-term account are several times that of normal account, and the procedures for fund inquiry and withdrawal of long-term account are complicated, time-consuming and laborious.

At the same time, due to the bank's long-term non-contact with customers and incorrect accounts, the balance of funds in some accounts is still large. For example, the largest long-term parking account in Shaoguan City is 930,000 yuan, which poses a greater risk of theft and increases the internal control pressure of banks.

Long-term account balance is small, which contributes little to the bank, but the account maintenance fee is equivalent to that of normal account, and the bank's cost and income are seriously upside down, so the voice of dealing with long-term account is rising.