There are new regulations in the bank. What will happen if the bank card is not used for a long time and is not cancelled? Now many people will use the bank card, but if it is not used for a long time, will it affect their lives?
I believe everyone has more or less bank cards. CCB, ABC and credit cards are commonly used by more people. This is a part of it. When most of them enter the social work, in order to share the money more clearly, they will choose to apply another, exclusive wage card, so that they can clearly know their monthly income, and second, they can be more prepared possible period of want or need.
Now it is the high-tech era. It is convenient for the card to save money before. Now it is more convenient to have a mobile phone. You will find that it is not just the young people who spend their phones on the major consumption areas. Some middle-aged people are also starting to use WeChat to pay. Now the size supermarkets, convenience stores, restaurants, WeChat Alipay are everywhere, and even more payment codes have been paid. That is to say, because everyone's mobile phones are more and more convenient, the bank cards they used to handle are basically useless, but many people are too lazy to cancel them. Anyway, they think that even if the bank wants to deduct my money, there is no money in them, so it doesn't matter whether the notes are cancelled. But many people don't think that it's OK not to cancel the card, but personal credit will be cut, so will it be troublesome for personal credit to be blacklisted?
In fact, if your bank card has not been used for a long time, the bank will take the initiative to clean up these unused cards. How long is the use period of this bank card? After all, there are many types of banks, and there are many natural bank cards. The time limit for each bank is different. Some of them will be cleaned up in two or three years, some of them will be processed in five years, and many people will It's the next trouble, so it's easy to put the cards on the side and pile them up more and more. Think about that if you don't deal with the bank, you will also deal with it. After all, the bank still needs to operate.
However, since last year, the regulations on the use of bank cards have become very strict, and the management system has been further reformed. After all, the current bank cards have been gradually replaced by mobile Internet payment, and more and more idle bank cards have been left unused. Using it is still a bank card, and not using it is equivalent to a waste card. China Merchants Bank, known by Xiaobian, has been developing since 2017 The bank announcement announced that, in order to ensure the safety of the bank, it has started to close accounts for users who have not used bank card accounts for a long time since July.
Why there is a credit card? A credit card also represents a personal credit. If you don't use a credit card for a long time, it's recommended to go to the bank directly to cancel it. In fact, you can do it in time. After all, a credit card is very important. Your own credit is more important. After all, a credit card will involve many places. If you need to do something one day, you can do it It's because the credit is not enough to deal with. Is it a loss? If it's not cancelled, it will be reported to the central bank database of credit investigation. So it doesn't matter if there's any trouble. After this trouble, you don't need to worry about your credit. If you are really too lazy to move, it's more convenient to call customer service directly, and ask him to help you deal with it!