If a credit card is not used for a long time, it will not be automatically canceled.

Credit card related regulations:

1. After completing the payment, confirm that the credit card returned by the cashier is indeed your own card, and keep the stub copy of the purchase order properly for verification with the bill. And provide a basis for handling possible disputes;

At the same time, mobile banking will display the customer number to confirm the identity after the customer logs in to avoid phishing. The bank also separates the mobile banking login password and payment password to set up two safety nets for transactions. In addition, when the query password set by the user is too simple, the system will automatically prompt the user to change the password.

2. Other banks’ mobile banking also have their own unique strategies in terms of risk prevention. For example, when transferring money through ICBC’s mobile banking, a dynamic password card is required in addition to the password; while the account number of the user of China Merchants Bank’s mobile banking only needs Partial screen display can reduce the risk of account leakage due to the use of mobile phones in public places or theft of mobile phones.

3. Cash advance For overseas transactions, we will convert the transaction amount into foreign currency according to the exchange rate specified by international organizations, and charge corresponding handling fees. Some overseas banks may charge additional fees.

4. Banks can first transfer some simple services to self-service on mobile phones, such as account inquiries. According to statistics from the American Banking Association, the overall cost for users to go to the bank to receive services at the counter is US$2.7, while the cost is reduced to 1/4 through the teller machine. The cost of independent services through mobile phones is only 1/20 of the counter service.

5. When purchasing goods or services that can provide installment payment from the installment payment cooperative merchants designated by Bank of China, after selecting the installment payment business model, the merchant's cashier will proceed according to the installment payment business rules of Bank of China. Related card swiping operations. The specific installment rules are subject to the announcement issued by the merchant.

6. Long-term adjustment of credit limit: There is no need to actively apply for a long-term increase in credit limit. Cards that meet the conditions for increase will be actively increased on a regular basis. The credit limit needs to be reduced for a long time.

7. Users within the agreement period are not allowed to cancel their accounts in principle.

8. Users must settle the overdue arrears, current arrears, and this month’s real-time phone bills for all user numbers under the same customer before they can handle the account cancellation business.

Therefore, if the credit card is not used for a long time, it will not be automatically canceled.

Extended information:

The role of credit card:

1. Guiding role

The guiding role of CCB’s mobile banking is mainly reflected in performance indicators The guiding role of performance indicators is to clarify goals and guide work for employees.

2. Constraint effect

Some CCB mobile banks will clearly tell employees what they should do, whether the work they do is consistent with the performance indicators, and constrain employees' daily behaviors and management standards. and work priorities and goals.

3. Cohesion effect

Once CCB Mobile Banking is implemented, employees will use various resources and gather all available forces to achieve and complete performance goals, which can unite everyone in one ***The same goal and direction.

4. The role of competition

The setting of CCB’s mobile banking requires employees to achieve goals through hard work. The performance indicators clarify the direction and goals of employees’ efforts, thus providing Competition goals and comparison standards among employees, between departments, and between the enterprise and the outside world make employees compete with each other to complete performance appraisal indicators.

Baidu Encyclopedia - Credit Card

Baidu Encyclopedia - Account Cancellation