According to media reports on October 18, a number of banks have launched a new round of “card clearance” operations. This work will start in October 2023 and last for one year. In fact, as early as the beginning of 2021, many banks issued announcements,Abnormal accounts will be cleaned up, and some "sleeping accounts" with no transactions and no funds for a long time, as well as excess accounts under the same customer's name, will be canceled by the bank.
There is no unified definition among banks for “sleeping accounts”. In most banks, cards with no transactions in the past three years and a current balance of 0 yuan are considered dormant cards and included in the scope of cleaning.
In daily life, many people apply for multiple bank cards at the same time, and some of them have become "sleeping cards" due to low utilization rates.
Experts said,Consumers should manage personal accounts and QR codes well, manage "sleep cards" and related accounts, do not lend or rent bank cards and payment codes, and protect sensitive personal information.
Experts also remind users that bank cards that do not want to be frozen will not be recognized as "sleeping accounts" as long as they handle one business or transfer through any channel such as ATM, online banking or mobile banking every year.
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