你的银行卡可能会被“注销”，而且不会通知你！
<p><br></p><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; color: rgb(62, 62, 62); line-height: 25.6px; widows: 1; box-sizing: border-box !important;"><section class="" data-tools="135编辑器" data-id="89452" style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box;"><section class="" powered-by="xiumi.us" style="max-width: 100%; box-sizing: border-box;"><section class="" style="margin-top: 10px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box;"><section class="" style="padding: 10px; max-width: 100%; box-sizing: border-box; box-shadow: rgb(170, 170, 170) 0px 0px 10px inset; border-width: 1px; border-style: solid; border-color: rgb(192, 200, 209); background-color: rgb(250, 250, 239);"><section class="" powered-by="xiumi.us" style="max-width: 100%; box-sizing: border-box;"><section class="" style="max-width: 100%; box-sizing: border-box;"><section class="" style="max-width: 100%; box-sizing: border-box; text-align: center; color: rgb(51, 51, 51);"><p style="max-width: 100%; box-sizing: border-box; text-align: left; line-height: 2em;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> <span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;">今年以来，银行对“沉睡”银行卡的管理不断加码。近日，记者从浦发银行了解到，该行将从11月开始，对在2016年12月31日之前发卡且今年前3个季度未发生任何交易的“双零卡”进行账户信息管理升级。</span></span></p></section></section></section></section></section></section></section><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p></section></section></section><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); widows: 1; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> <span style="max-width: 100%;font-size: 16px;">升级后，长期不用的“双零卡”将暂时不能使用，<span style="max-width: 100%; box-sizing: border-box !important;">而其他银行也有类似举措。但</span>不同银行的具体措施有所不同，有的银行是进行销户处理。</span></span></p><p><br></p><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; color: rgb(62, 62, 62); line-height: 25.6px; widows: 1; box-sizing: border-box !important;"><section data-role="paragraph" class="" style="max-width: 100%; box-sizing: border-box !important;"><p style="max-width: 100%; min-height: 1em; text-align: center; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><section class="" data-tools="135编辑器" data-id="89884" style="max-width: 100%; box-sizing: border-box !important;"><section data-id="us513420" class="" style="max-width: 100%; box-sizing: border-box !important;"><section data-width="100%" style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section class="" data-brushtype="text" style="max-width: 100%; text-align: center; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(255, 255, 255); background-color: rgb(171, 25, 66); box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">11月起部分“双零”银行卡将被限用</span></strong></span></section></section></section><section data-width="100%" style="max-width: 100%; box-sizing: border-box !important;"></section></section></section><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> <span style="max-width: 100%;font-size: 16px;">“双零”指存款余额和应计、未计利息数均为零，大家应及时清理销户。</span></span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"> 业内人士提醒，<span style="max-width: 100%; color: rgb(0, 122, 170);">大家应对自己的银行卡进行清理，不需要的卡应该尽快取出余额然后销户，</span>以免被扣除年费和管理费甚至被不法分子盗用，给正常生活带来不必要的麻烦。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><section class="" data-tools="135编辑器" data-id="89884" style="max-width: 100%; box-sizing: border-box !important;"><section data-id="us513420" class="" style="max-width: 100%; box-sizing: border-box !important;"><section data-width="100%" style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section class="" data-brushtype="text" style="max-width: 100%; text-align: center; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(255, 255, 255); background-color: rgb(171, 25, 66); box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">注销“沉睡卡”不会通知持卡人</span></strong></span></section></section></section><section data-width="100%" style="max-width: 100%; box-sizing: border-box !important;"></section></section></section><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> <span style="max-width: 100%;font-size: 16px;">记者发现，央行对“沉睡卡”早有措施：从2016年12月1日起，同一个客户在同一银行只能开立一个I类账户。同时，从2016年10月1日起，若新开的个人银行账户自开户之日起6个月内没有交易记录，该账户将无法通过除柜面之外的其他渠道办理业务。</span></span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"> 记者从中国银行业协会官网上了解到，截至2016年年底，中国银行卡累计发放63.7亿张，中国人口总数接近14亿，平均下来每人持有的银行卡数量接近5张，而累计活卡量只有41.8亿张，“沉睡卡”21.9亿张，已经占到了总数的1/3。也就是说，每个人持有的“沉睡卡”平均接近2张。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"> 中国银行重庆分行信用卡中心负责人告诉记者，银行注销银行卡时，并不会通知持卡人。“<span style="max-width: 100%; color: rgb(0, 122, 170);">如果想唤醒这些‘睡眠卡’，需要通过银行柜面、ATM自主渠道、网上银行或者手机银行等任一渠道办理一笔业务或者进行转账等交易，这样就不会被银行强制销户。</span>”</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-align: center; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><section class="" data-tools="135编辑器" data-id="89884" style="max-width: 100%; box-sizing: border-box !important;"><section data-id="us513420" class="" style="max-width: 100%; box-sizing: border-box !important;"><section data-width="100%" style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section class="" data-brushtype="text" style="max-width: 100%; text-align: center; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(255, 255, 255); background-color: rgb(171, 25, 66); box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">“沉睡卡”占用银行资源</span></strong></span></section></section></section><section data-width="100%" style="max-width: 100%; box-sizing: border-box !important;"></section></section></section><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> <span style="max-width: 100%;font-size: 16px;">业内人员表示，“沉睡卡”大量占用着银行资源。另外，还容易被不法分子利用，给持卡人带来不必要的麻烦，所以清退“沉睡卡”是必然的。</span></span></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></span></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"> 随着第三方支付业务的快速发展，部分第三方机构违规留存银行卡数据等问题突出，成套的银行卡可以卖到上千元。不法分子拿到银行卡后一般会用于洗钱或诈骗犯罪。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></span></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"> 所以，银行方面也希望持卡人能配合清理这类卡片。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></span></p><p style="text-align: center; max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"></span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><section class="" data-tools="135编辑器" data-id="89884" style="max-width: 100%; box-sizing: border-box !important;"><section data-id="us513420" class="" style="max-width: 100%; box-sizing: border-box !important;"><section data-width="100%" style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section class="" data-brushtype="text" style="max-width: 100%; text-align: center; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(255, 255, 255); background-color: rgb(171, 25, 66); box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">清卡后，账户信息不再显示</span></strong></span></section></section></section><section data-width="100%" style="max-width: 100%; box-sizing: border-box !important;"></section></section></section><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> <span style="max-width: 100%;font-size: 16px;">浦发银行重庆分行某网点负责人表示，此次该行清理的“双零卡”主要指存款余额和应计、未计利息数均为零的银行卡。</span></span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"> “<span style="max-width: 100%; color: rgb(0, 122, 170);">如果开通了我行理财产品购买、基金、第三方存管、外汇宝、代收代付、个人贷款还款等业务功能的银行卡，则不在本次升级范围内。</span>”</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 2em; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"> 如果持卡人有这类卡，<span style="max-width: 100%; color: rgb(0, 122, 170);">在此次清理后，所持卡片的账户信息将不会在网银、手机银行、电话银行、自助设备等渠道显示。</span>如需正常使用，持卡人需要携带该借记卡及个人有效身份证件至网点柜面办理“双零卡”启用手续即可，重启无需任何费用。</span></p></section></section><p><br></p><p></p>
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