Of course, even if there are no mobile payment methods such as Alipay and WeChat, people will still put their money in the bank. After all, they can not only guarantee that they will not lose money, but also enjoy interest. Everyone will calculate this account.
According to the data released by the central bank last year, by the third quarter of 2020, the number of personal bank accounts opened nationwide was 654.38+02.092 billion, an increase of 297 million from the end of last quarter and a 2.52% increase from the previous quarter. According to China's population of 654.38+04 billion, there are 8.64 bank accounts per person, so it seems that almost everyone in China has more than one bank card.
Compared with the world, China is worthy of the title of "the world's largest savings country" in terms of the number of bank accounts opened. However, although each of us may have as many as several bank cards, the actual use is estimated to be 1 or 2. Most of the remaining bank cards are "collected" because some things have been used several times, and they may never see the light of day again.
At present, CCB, China Post and CITIC have issued notices on bank cards that are not frequently used, and these abnormal users will be cleaned up.
On the 5th of this month, China Construction Bank issued an announcement saying: "As of June 65438+1October 3 1 day, there have been no active transactions such as cash deposit and withdrawal, transfer, etc. for more than three consecutive years (including three years), the account balance is zero, and there have been no contractual relationships such as credit card repayment and personal loan repayment for a long time. However, personal bank accounts such as financial social security cards, provident fund cards, military security cards, military security cards, armed police military security cards, retired military service cards, and land are not within the scope of this cancellation. "
In fact, apart from China Construction Bank, China Postal Savings Bank and China CITIC Bank have issued similar announcements before, but there are still some differences between these two banks and the users targeted by China Construction Bank.
The main target of the Postal Savings Bank's account cancellation this time is "accounts with excessive personal settlement under the same customer's name", that is to say, the first-level account 1, the second-level account 5 and the third-level account 5. Accounts beyond this range will be cancelled before June 30, 2026, 5438+0.
CITIC Bank mainly cancels accounts with a balance below 10 yuan. Every year, until the end of 10, there is no transaction in the account for two years, and CITIC Bank will clean up the accounts in the fourth quarter of each year.
From the announcements of these three banks, we can know that the main cancellation accounts are divided into three categories. If some bank cards in your hand are still useful in the future, you'd better take the time to take your ID card and bank card to the bank for activation. For example, China Construction Bank and China Post have not started their clean-up operations. Although CITIC has started to clean up, it has not been completely completed. It may not be too late to activate.
Friends who know banks know that many bank employees have indicators of how many cards they must complete, and major banks will launch activities from time to time to attract people to apply for their bank cards, so now they want to cancel some bank cards. Isn't that a denial of his previous efforts?
In this regard, financial economists explained that in fact, for banks, cleaning up these long-term idle accounts can reduce their management costs, not to mention, it can greatly improve their operating efficiency. In addition, this is also to cooperate with the national policy "card-breaking action" to crack down on telecom Internet fraud, card-opening and card-selling gangs, and better protect our capital security.
Therefore, in fact, from all aspects, this action is a better thing. And in fact, for most people, it will not be greatly affected. After all, the bank cleans up "waste cards" that we don't usually use, and it won't cause losses to our finances. If someone wants to continue to use their bank card, as long as they go to the bank to activate it in the near future, it is not too late.
I believe most people always have some idle bank cards in their hands. If the bank cleans up your idle bank cards, how much impact will it have on your life?