There are three main reasons. About identity cards

1. ID card has expired;

2. The ID card has been damaged;

3. The owner of the ID card has a credit problem and is found by the bank's ID card detection system, which does not meet the conditions for applying for a credit card;

4. The identity card information conflicts with the information of the bank detection system;

The ID card has been transferred in the bank. _

Two. If the age of individual card issuance is not met: 16 years old, it is necessary to provide valid identity documents of the agent and the client, as well as documents to prove the relationship between them, and the guardian and the ward shall go to the bank to handle it together.

Three. Apply for a credit card, the credit is not good, and you can't provide complete information. Under normal circumstances, it will not be handled without a stable income. Bank cards are divided into debit cards and credit cards, of which debit cards are our savings cards and credit cards are credit cards. Among these two types of cards, the threshold of credit card is higher, and the amount is related to the cardholder's personal credit status and income status.

1. Debit card: Debit card cancellation can be done voluntarily or automatically by the bank. You need to bring your ID card, bank card and other related information to the bank outlet to cancel it yourself.

In the case of automatic cancellation of the bank, you need to empty the bank card balance yourself. Generally, when there is a bank card that has not been used for a long time and has a small balance, the bank will automatically cancel the account.

2. Credit card: There are two ways to cancel the credit card account: customer service phone cancellation and bank outlet cancellation. In the case of telephone cancellation, the user can call the customer service hotline of the credit card and ask the customer service to help cancel.

In the case of counter cancellation, users need to bring ID cards, credit cards and other related information to the credit card issuing bank outlets for processing.

The conditions for direct cancellation of bank cards are as follows:

1. Before canceling the credit card, you need to pay off the arrears, settle the annual fee and withdraw the balance. When the savings card is cancelled at the counter, the balance can be taken out.

2. If the bank card is lost, you need to reissue the bank card before you can close the account.

3. Pay attention before canceling the credit card. If there are overdue records in the credit history, it is not recommended to cancel. If you cancel at this time, the overdue records will be kept for a long time. It is recommended to keep a good repayment habit and apply for cancellation after the overdue records are overwritten.

The core purpose of strengthening account control:

It is anti-money laundering and strengthening the prevention and control of telecom fraud.

There are still quite a few people who have a simple understanding of finance. They opened many bank accounts privately, and then found that they were all idle. Someone offered to buy it, so he sold it and earned 500 yuan or 1000, thinking he was smart.

As a result, others used your account for money laundering or telecom fraud, and finally got stuck in it inexplicably. Have you seen "Scream"?

Therefore, in the past, the management of accounts was relatively loose, but now it is clear that they must be used by individuals, must be real names, and cannot be misappropriated and handed over to others.

Therefore, this wave of strong supervision is to protect us ordinary people, so that most white people will not be used by criminals. But how do I know if my account has been misappropriated?

In other words, by restricting over-the-counter transactions, banks are taking this action to make cardholders recall their accounts.

Of course, 99% people will forget how many accounts they have accumulated in which bank. It's very simple to go to the bank counter and check how many accounts you have in the country through the counter. Naturally, you can deal with them one by one, either downgrade to the second-class account, cancel the account, or register rationally.