the cardholder needs to bring his/her ID card and the bank card for sleeping, and then he/she can reactivate the bank card by going to the bank counter where the account is opened to switch to normal business.
or after going to the bank to pay the annual fee and small management fee owed, the card can be turned into normal after saving money or withdrawing money. In addition, everyone should pay attention to that the dormant card may leave a negative record on your credit report, so it is better to cancel the bank card if it is not used.
sleep card is divided into debit card sleep card, quasi-credit card sleep card and credit card sleep card. Debit card sleep card refers to a card that has no financial transactions (excluding interest settlement and inquiry) initiated by the cardholder for more than 12 consecutive months, and the deposit balance is below 1 yuan.
quasi-credit card sleep card refers to a card that has no financial transactions (excluding interest settlement and inquiry) initiated by the cardholder for more than 6 consecutive months, and the deposit balance is below 1 yuan; Credit card sleep card refers to a card that has no financial transactions (excluding interest settlement and inquiry) initiated by the cardholder for more than 6 consecutive months, and the deposit balance is below 1 yuan.
The domestic credit card circulation is increasing every year, and banks invest a lot of manpower and material resources in the issuance of credit cards every year, but the activation rate and utilization rate of the issued credit cards are relatively low, which leads to banks wasting a lot of financial and material resources. It is reported that at present, the activation rate of credit cards in China is below 4%, and the probability in sleep card is very high. The issuance cost of each credit card reaches 1 yuan, which is equivalent to the bank wasting more than 6 yuan for each credit card issued.
The emergence of a large number of sleep card is directly related to the quick success and instant benefit of banks in the process of developing credit card customers. At present, domestic banks are desperately issuing credit cards, and a large number of business personnel wander around residential areas, office buildings and even college campuses. In order to carve up the profit cake in the potential market, banks have tried their best, and marketing methods have emerged in an endless stream. Gifts and gifts are essential. They not only set up card holders everywhere on the Internet, but also encourage one person to set up multiple cards, even lowering the threshold for card holding. In the eyes of credit card marketers, there are many benefits of multi-card, but as for the cost, it is often not mentioned.
In this card-issuing craze, the number of bank credit cards issued has soared, and the performance of credit card marketers has also soared, which is directly linked to the bonus benefits of marketers. This will encourage them to pursue the number of credit cards even harder. As a result of the cycle, there are more and more credit cards, while the credit rating of credit card customers is getting lower and lower. More and more credit is granted by one person with multiple cards, and more and more in sleep card. The proportion of some banks even exceeds 3% of the total card issuance. Many banks have to launch various promotional activities again to activate these sleep card.
sleep card charges an annual fee, which is nothing more than the fundamental reason why banks pass on the cost of back-office operations to customers, instead of pursuing the increase in costs; This can only be an excuse, but it is by no means the long-term governance of banks.