After a bank card is swallowed, the bank will generally keep it for 3 working days. Different banks may have different retention times.

Whenever a card is swallowed, it is best for customers to bring their personal valid documents and other materials that can prove the card holder as soon as possible to the bank where the device belongs to go through the card collection procedures.

Usually the bank card can only be collected by the person in person. If the bank stipulates that another person can be entrusted to collect the card on his/her behalf, the person collecting the card must also present his/her valid ID and power of attorney.

If it is not collected after the expiration date, the bank will cut off the corners of the bank card and invalidate it. The customer can go to the card issuing bank to report the loss. The information and balance in the card will not be affected in any way, and then pay a certain handling fee to get a new one. Card.

In addition to swallowing cards, ATMs also swallow money. That is, after investors deposit money at the ATM, their balances do not increase. When this happens, customers immediately report to bank staff. Generally, after the bank clears the money in the afternoon, the money will be transferred to the customer's bank card.

Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the bank card automatic settlement system has made the dream of a "checkless, cashless society" a reality.

Classification method

Generally, bank cards are divided into credit cards and debit cards according to whether they grant the cardholder a credit limit. In addition, bank cards can also

be divided into magnetic stripe cards and chip cards according to different information carriers;

are divided into domestic cards and overseas cards according to whether the issuer is in the country;

It is divided into personal cards and corporate cards according to the issuing objects;

It is divided into RMB cards, foreign currency cards and dual-currency cards according to the account currencies.

Debit card

Debit cards are divided into debit cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

Debit card (debit card) can be used for consumption online or at POS, or transfer and withdrawal through ATM. Overdraft is not allowed, and interest is calculated on the amount in the card based on current deposits. Funds are withdrawn directly from the savings account when spending or withdrawing money. Debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their levels; they can be divided into domestic cards and international cards according to their scope of use.

Credit cards

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Credit card

Credit card (Credit card), often called a credit card, refers to a certain credit limit given by the issuing bank to the cardholder. The cardholder can use the credit limit within the credit limit. A credit card where you spend first and pay later. It has the following features: consume first and repay later, enjoy an interest-free payment period (up to 56 days), and has a minimum repayment amount. Customers can repay in installments if they have overdrafts. Customers need to pay a certain amount of annual fees to the bank they apply for, which differs from bank to bank.