According to relevant regulations, bank card details cannot be deleted unless the card is cancelled. If it is in use, there is no way to delete the detailed records related to the bank card. of. Or as time goes by, new records will overwrite old records, because historical transaction records are generally records for one year, and the records of the previous year will be deleted in the next year!
Extended information:
1. There are three main methods for querying bank credit card transaction details. The details are as follows:
1. Online banking query.
Operating environment:
Brand model: Lenovo laptop Xiaoxin Air15 Ryzen Edition
System version: Windows 11
Browser ：Google chrome browser
Browser version: 87.0.4280.88
Log in to the bank’s personal online banking and select the credit card inquiry function regarding credit card services to query your bank’s credit card transaction details (Including unissued bills and issued bills).
2. Customer service telephone inquiry.
Call the customer service number of the bank's credit card center and consult the bank's customer service staff to check your bank's credit card bill information.
3. Mobile banking inquiry.
Use your mobile phone to log in to the bank’s mobile banking, and then select the transaction details query in the credit card service to query your credit card’s outstanding and issued bills.
Operating environment:
Brand model: iPhone13
System version: iOS15.0
2. You can also cancel the bank card Query the details of previous transaction records.
The bank can only provide transaction records within three years at most. If you report the loss of the card and replace it, you can go to the Postal Savings Bank in the province with the new card and a valid ID after the card is replaced. Check account transaction details in the office.
The period during which the transaction details of unliquidated accounts can be checked is determined by each province. In principle, it should not be less than 5 years. If the previous account has been canceled and the account is reopened, the account can be opened at The bureau can query and print sub-account information. The retention period of cleared account transaction details is 2 years. The retention period in some provinces and cities may be slightly longer.
A certain fee will be charged for checking the transaction records of card cancellations. The specific fees are paid according to the charging standards of each bank. The signature of the bank is required before it can be used as certification material, which has certain legal effect.
3. The role of bank statements
1. Take housing loans as an example. No matter which bank you apply for a mortgage from, you need to submit 3-6 months of personal bank statements. The bank will evaluate your financial situation and repayment ability based on the bank statements you submit, and decide whether to lend you a loan.
2. Before you apply for a mortgage, it is best to optimize your flow. A high-quality bank flow should be stable and stable at a fixed time every month, and the monthly household income should preferably be covered by the monthly mortgage payment. double.
3. Bank statements can estimate a person's income and consumption level. Friends who need to apply for mortgages, car loans, credit cards, visas, etc., do not ignore the bank's transaction records. It is best to have bank statements. Fixed, continuous and stable accounting. If you are applying for a loan and need to submit bank statements, do not attempt to forge bank statements. If the circumstances are serious, you may be suspected of fraudulently obtaining a loan and you will need to bear legal responsibility.