Over the years, bank cards have become a necessity in our lives. Whether it is depositing or withdrawing money, or binding a mobile phone for payment, it is indispensable. According to statistics, as of the end of 2020, the total number of domestic bank cards issued has exceeded 8.5 billion. Although this includes debit cards, credit cards and quasi-credit cards, on average, the number of bank cards per capita still exceeds 6.

With so many bank cards per capita, do everyone keep using them? The answer is no.

The reason why many people apply for multiple bank cards is because of work needs. For example, if they change companies, they need to designate a bank card as a salary card. The other reason is that everyone is accustomed to using credit cards. But the limit on a single credit card is not enough, so I apply for a few more.

After changing the salary card, the previous salary card is basically no longer needed; the credit card limit will change with the user's use. When the limit of one or two credit cards is increased, the remaining credit card will only be I can just lie at home and "gather dust".

Because of this, although the total number of cards issued in China exceeds 8.5 billion, "dusty cards" account for a large part of them.

Many banks have begun to take action against this kind of "dust card" that has no transaction records for a long time. However, the processing specifications and processing times of each bank are different. Everyone needs to pay attention. To prevent your bank card from being cleared as an abnormal card.

Taking China Construction Bank as an example, it has now begun to clean up its “dusty cards”. The processing specifications are mainly based on time. For example, if a certain bank card has no transaction records for more than three years, the account balance is zero, and there is no contract relationship, it will be cleared.

As for Postal Bank, its "card disconnection operation" will officially start at the end of June 2021, and the processing specifications will be based on the category of bank cards. For example, an account can only have one type one card, five type two cards and five type three cards. Once it exceeds this range, it will be cleared.

As for other banks, some clean up based on the transaction age and some based on the account balance.