Should a card with no balance be "closed" or "kept"? Banker Friends Reminder
In modern society, credit cards have become a major consumption and lifestyle of people, and they are also an indispensable means.
From a spending point of view, credit cards are more convenient and convenient than cash.
In addition, although the state has vigorously promoted mobile phones and electronic payment systems, in fact, the main function of mobile phones is credit cards, so all financial operations are carried out through credit cards.
So most people choose to buy more credit cards in case they need them.
However, most people don't use so many credit cards, so most people choose the credit card they are most familiar with.
The rest of the cards are empty and don't know what to do?
In fact, in the eyes of Chinese people, a credit card does not need so much. Credit cards are an everyday activity for most people these days, but saving so many credit cards is not a good thing for them, but can cause them problems.
This is because credit cards are the most common and common means of saving and transferring, and many people will think that their credit cards are useless, so they will choose to rent.
The rental credit card will be used by some **.
In the past two years, I don't know how many college students and young people have been accused of crimes and ended up in disrepute.
And the main reason why they commit aiding crimes is to sell their credit cards to others at a low price.
These credit cards are used by criminals to do something illegal. For example, money laundering or buying certain prohibited goods.
They can find out such a large sum of money, and it is not difficult to find out anything.
Therefore, if you have a regular credit card before, then you don't need to save it anymore. The presence of such credit cards does pose a potential security risk.
If someone doesn't know the consequences of aiding a crime and is tricked into renting out and selling their credit card, it will be too late to regret it. But if you cancel all the useless credit cards in the first place, you are not afraid of being used by criminals.
Therefore, there is no need to deposit too much money in your own account, and the best thing to do is to go to the issuing bank to cancel the account.
For example, if you don't want to use some bank cards, then you must make sure that there is really no cash in your bank card.
In addition, there is also a bank card on this card, but there is a debt in the bank card, so if you want to swipe this card, you must make sure that there is no debt on this card. After you have paid off all your debts, the bank will ask you to cancel your credit card.
In addition, the method of canceling a card and canceling an account is also different. Closing your account means that all your information will be completely erased, and if you want to open an account with this bank, you will have to start over.
However, as long as it is cancelled, that is, it is no longer used, but the personal credit and financial business information still exists in the system, so that you can still enjoy some special services of this bank in the future. Of course, it depends on the needs of the individual.
In addition to this, the bank will also charge most credit cards because there are too many credit cards, and the bank will also have a certain amount of pressure.
Under normal circumstances, there is no charge for applying for a credit card, but the production fee for each credit card must be paid by the bank. Over time, this alone is a lot of money.
Therefore, some banks, in order to recover losses, will charge some credit cards that have been idle for a long time or do not deposit much.
This kind of management fee is usually not high, maybe only a few dollars a year, a dozen yuan, but in the long run, it is a large expense.
Therefore, when you do not need to use your bank card or credit card, you can choose to cancel your account in advance so that you can avoid the bank's administrative fees.
The bank charges a fee for customers to cancel those credit cards that are not used.
Instead of being destroyed immediately, the cards are shipped to the manufacturer to be reprocessed, remade into a new card, and then issued to the customer. In this way, it can save the bank a lot of card issuance fees.
Therefore, after the bank charges a fee for the credit card, it will ask the cardholder to cancel the credit card and then sell the card.
At this time, he should follow the bank's advice and cancel the account so that he can ensure his financial returns.
In fact, the reason for this goal-oriented is that each business has its own operating expenses.
People often think that banks are not bad for money, but some data shows that more than 90% of the world's banks are currently facing various problems such as cash flow difficulties.
After all, banks don't have a lot of money in their hands. The bank itself does not have much funds, their funds are ** depositors, and the bank uses the depositors' funds for secondary investment, but not every fund can make money, which causes a lot of bad debts.
If non-performing loans occur, it will bring great pressure to the bank's capital chain, resulting in capital security risks. This is why banks encourage customers who have too many credit cards to cancel their credit cards.
In fact, using multiple credit cards poses a significant security risk. Of course, there are many people who are reluctant to cancel this card, but in order to ensure the security of this card, it can still be done.
For example, every once in a while, you can change the password of the credit card, and most of the current credit cards are changed through various bank apps.
If you want to change your password for a long time, you can not only increase your security, but also reduce the risk of your credit card being stolen.
Next, what he has to do is invest. In addition, in the process of doing business, you must not tell your personal banking information to others, so as not to be heard by someone who cares about it, and eventually be deceived by someone.
In addition, you can't click on the strange ** at will. I think that in everyone's **, there will be some unfamiliar connections, and once clicked, it will lead to the leakage of personal information.
In most people's minds, those connections are irrelevant.
But in fact, there are a lot of risks hidden in this connection, and one of them is a possibility, which is a virus, when this virus invades your phone, you will know your identity information, your payment information, your bank account, your payment method, your payment method, you will know.
In that case, all the funds in her account will be transferred.
In the past two years, ** has carried out severe rectification of telecom fraud, but it is impossible to completely eradicate telecom fraud. In order to prevent being scammed, it is better to be careful with your account.
In addition, if you don't usually notice it, you can also find a channel to keep your personal information confidential.
Some cybersecurity companies claim to be able to pay a hefty fee for your profile and profile.
If needed, he can also buy some anti-cybercrime insurance on the web, which is not very expensive, but can also come in handy. If you encounter online fraud one day, with this protection, you don't have to go bankrupt.
However, to prevent credit card security issues, it is best to cancel all these useless cards.
Because of the ontology of this card, there will be no fraud at all.
However, whether or not to cancel the card is also a matter of personal needs. If you need it, then you quit, if you don't need it, then you can keep it, just be careful.
Credit cards are one of the most important financial instruments in the world today, and they play a very important and special role in the financial system of various countries, but everyone should try to ensure the security of their credit cards.
It's important to make sure that your credit card isn't being used by or taken advantage of by bad actors.
In addition, people should also pay attention to their personal belongings and privacy at all times. Be sure to know more about finances so that you can make the best decisions in a crisis situation without being deceived by others.
For those credit cards that do not have and have accumulated for a long time, it is necessary to make the most correct decision based on their actual situation. If you really don't need it, cancel it.
However, if necessary, you can keep more and pay more attention to it, so that there will be no problems.