What should I do if I have too many bank cards?

What should I do if I have too many bank cards? ——Recent hot topics and solutions

Recently, the topic of “too many bank cards” has sparked widespread discussion on social media and forums. Many netizens reported that the idle bank cards have not been cleared for a long time, resulting in management confusion and even financial risks. The following is the collection of hot content and structured solutions in the past 10 days.

1. Statistics of hot topics across the entire network (last 10 days)

2. Three major risks of too many bank cards

1.Fund security risks: Idle cards may be used by criminals. The three telecom fraud cases exposed in the past week all involved dormant bank cards.

2.cost loss: Some banks charge management fees for cards that have not been used for a long time. The latest charging standards of a joint-stock bank show that the management fee for small accounts can reach 10 yuan/month.

3.credit impact: Many banks have begun cleaning up "sleep accounts", which may affect subsequent applications for financial services.

3. Comparison of cancellation policies of mainstream banks

4. Practical solutions

1.Classification and cleaning method:
- If the card has not been used for more than 3 years: it is recommended to cancel it first
- Cards bound to important business: keep 1-2 cards
- Annual fee-free policy card: keep it as needed

2.Digital management tools:
- Use the "Union QuickPass" APP to check all bank cards with one click
- Alipay's "Bank Card Manager" function can set usage reminders

3.Latest policy utilization:
- Bank of China’s 2023 new regulations: No transactions for 2 consecutive years will be automatically frozen
- Ping An Bank launches "Smart Account Merger" service

5. Expert advice

Financial security expert Li Ming pointed out: "It is recommended that ordinary users keep 3-5 bank cards, which should include 1 daily consumption card, 1 salary card and 1 backup card. The recently emerged 'bank card custody' service has the risk of information leakage, so you need to choose carefully."

According to the latest data from the Banking Association, as of the third quarter of 2023, my country has 6.4 bank cards per capita, of which about 30% are dormant. Properly planning the use of bank cards has become an important topic in modern financial management.