Bank cleans up sleeping cards: Why are we always required to apply for new cards
Zhifan
According to the Worker’s Daily, an excessive number of individual accounts will lead to personal mismanagement of the accounts and their assets, as well as waste of bank resources. Long-term inactive accounts also become internal risks in the bank.
Since the beginning of this year, many banks have carried out a intensive cleanup of the "sleeping card".
However, the identification standards of various banks are not uniform, and the disposal methods are also different. Users have many concerns that need to be responded urgently.
According to the central bank’s disclosure, as of the end of September 2020, my country has opened a total of 12.092 billion personal bank accounts, with 8.64 bank accounts per capita.
For many people, a common embarrassment is that there are not many bank deposits, but a lot of bank cards.
Many bank cards may have not been used several times since they were completed, and some have even been lost.
The existence of such a large number of sleeping cards is a management burden for the bank; for consumers, it will only bring losses but not profits-the remaining balance in many cards is actually equal to "donations" To the bank.
Whether the bank cleans up the sleeping card is legally problematic, first of all, it depends on the original account opening agreement and how the bank unilaterally terminates the agreement.
But even if there is a clear agreement in the standard contract, whether the standard clauses are valid, whether the bank has fulfilled its obligation of prompting and explaining, and whether it has the right to "appropriate" the small balance of the card, I am afraid it is worth talking about.
Of course, since it is a sleeping card, most consumers will not go to the bank because of this kind of thing; but the cleaning standards are not uniform, and there is no notification before the cleaning, transaction records are cleared, etc., it is indeed a problem.
More importantly, cleaning up the sleeping card can only treat the symptoms, and why the sleeping card exists in large numbers is the root of the problem.
Why is the phenomenon of multiple cards per person so common?
It's not because everyone has the crazy habit of applying for cards, on the contrary, almost all of them are helpless.
When studying at a university, the school has designated a bank for paying tuition and must apply for a bank card; when you go to work, your salary card has designated another bank; if you change your job, you may have to change your salary card; if you change your job in a city, you must change your card. Because you have to open an account locally...
In life, housing loan is a bank, social security may be another bank, and a certain payment is another bank.
Bind ETC, even if you already have a card in the same bank, it must be a local card.
In the past, when there was no mobile payment and mobile banking, in order to save the handling fees for withdrawals and transfers in different places, new cards had to be issued as long as they were cross-regional.
As for credit cards, more fraudulent consumers have opened cards, and many people have multiple cards.
While the bank is clearing the sleeping card, it is also attracting other consumers to apply for new cards in various ways...
To put it bluntly, there are so many sleeping cards. The fundamental reason is that consumers do not have the right not to apply for a card. We are always required to apply for a variety of new cards.
Although UnionPay has long existed, the connection between banks is still inconvenient.
Through cooperation with various units, the bank has demarcated piece after piece of "exclusive territory". As long as consumers enter this territory, they will not have the right to freely choose to bind their bank cards, and they can only apply for new cards obediently as required.
It is a contradiction to clean up the sleeping cards unilaterally without even saying hello, while setting up barriers to artificially add more sleeping cards.
To truly solve the problem of sleeping bank cards, consumers should be allowed to freely choose bank cards to become the norm.
Depriving consumers of their right to choose, requiring consumers to bind a special bank's bank card in a certain city, is only a few exceptions.
Comics/Chen Bin