Major banks have notified that they will "cancel" 3 types of accounts?
1. Accounts may be cancelledLast year, major banks have strengthened account management, especially in terms of dealing with excess accounts. An over-limit account is defined as the number of credit cards that an individual has in excess of the limit in the same bank. According to the Ordinance, each person can only open one Type 1 account and a maximum of five Type 2 and Type 3 accounts. To this end, non-compliant accounts have been written off and liquidated in the past. Inactive accounts, which usually have not had inflows or outflows for three years, include debit cards, bank cards, etc., which are set as invalid accounts and purged. The purpose of this is to strengthen the standardization of accounts, ensure the security of accounts, and prevent them from being used by criminals.
Additional information: The appearance of excess accounts will make it more difficult to supervise banks and at the same time will most likely lead to theft by criminals. Therefore, the disposal of excess accounts is an important means to ensure the orderliness and security of the entire account. From an individual point of view, clearing illegal accounts as soon as possible is a key part of ensuring the safety of funds.
2. The dangers of sleeping accountsA sleeping account is a long-term inactive account, which generally does not hold money, and even credit cards do not lend money. These neglected accounts are in danger of being misused because accounts that have been idle for a long time are likely to be taken advantage of by criminals, resulting in the loss of personal property. Operationally, we set a management fee for small accounts to identify dormant accounts and clear accounts that have not been settled within 3 years. This method of dealing with it is actually to warn customers to actively open an account to avoid being taken advantage of.
Additional note: Clearing dormant accounts not only reduces the risk of theft by criminals, but also effectively protects private property. Through the supervision of the account, the account holder can actively carry out the operation of the account and maintain the effectiveness and security of the account.
3. A special account issued by the state is a special account issued by the state, which is paid by the state and is usually invalidated after being used up. Such an account is one that is used exclusively for the payment of grants, and its single use will result in the clearing of the account. When such accounts are liquidated, the flow of funds in the accounts must be checked to ensure that the accounts are transparent and compliant. After the issuance of state grants, such accounts are no longer needed, so their liquidation is also a way to promote the effectiveness and standardization of accounting.
Additional elements: The special account issued by ** not only has its own particularity, but will also become the focus of account governance. Special accounts are maintained in order to maintain standardization and transparency in the accounts and to ensure that they are used in accordance with the law.
Fourth, to sum up the bank's work of cleaning up accounts in the past year, it is to maintain the standard management of accounts, ensure the safety of funds, and reduce the risk of theft by criminals. Excessive accounts, dormant accounts and state-owned special accounts may be "cleared", so it is necessary to have an understanding of the account status and actively manage the account to ensure the efficiency and security of the account. At the same time, when handling credit card business, you should also pay attention to your privacy to avoid being used by criminals. The liquidation of inactive accounts is not only an effective supervision of inactive accounts, but also a means of protecting accounts, which can enable customers to avoid possible risks. In the context of the digital economy, the standardization and security of bank accounts are becoming more and more prominent, and every customer should supervise and protect them to ensure the financial order of the bank and the safety of personal and property.