1. Off-counter transactions refer to transactions that do not go through the bank's counter, including those handled through mobile banking, online banking, ATM machines, POS machines and other channels. Because these businesses do not need to be handled at the counter, they are all non-counter businesses. Bank cards that have not been used for a long time may become dormant cards, and some transactions will be restricted.
2. The so-called dormant card refers to the bank card that the cardholder has been idle for a long time and is in a dormant state. The dormant card may leave a negative record on the user's credit report, because the user may forget to pay the annual fee, etc.
Status quo of bank card industry:
1.2065438+On March 8, 2009/kloc-0, the central bank released the general situation of the payment system in 20 18. At the end of 20 18, there were 7.597 billion bank cards in use nationwide. Among them, the use of credit cards and debit cards totaled 686 million. The average person in China has 5.46 bank cards, and every two people have a credit card and a debit card. In addition, the scale of bank card credit increased moderately, and the proportion of outstanding credit overdue for half a year decreased. At the end of 2065438+2008, the total credit line of bank cards in China was 15.4 trillion yuan, with an average credit line of 22,400 yuan. The total outstanding credit of credit cards overdue for half a year was 78.86 1 100 million yuan, accounting for 65.438+0. 16% of the credit balance of credit cards, which was 0. 18 percentage points lower than the end of last quarter.
2.2065438+On April 22nd, 2009, China UnionPay released the Report on the Development of Bank Card Industry in China (20 19). According to the report, in 20 18, the online transfer transaction of UnionPay further increased its share in the global bank card clearing market and continued to rank first in the world. At the same time, the scale of bank card issuance and acceptance has been further expanded. The global card issuance volume of UnionPay cards exceeded 7.59 billion, and the global acceptance network of UnionPay cards has been extended to 174 countries and regions, covering more than 53.7 million merchants and 2.86 million ATMs, and the value-added services with cards have been continuously enriched.
3. On March 7, 2020, the general situation of the 20 19 payment system released by the central bank showed that the national payment system operated smoothly in 20 19, the scale of social capital transactions continued to expand, and the payment business volume maintained steady growth. At the end of 20 19, there were 84190,000 bank cards in use nationwide, up by 10.82% year-on-year. China holds 6.03 bank cards per capita, with a year-on-year increase of 10.40%.