Work certificate, income flowing, tax payment certificate ... The higher the threshold for opening a card, the higher the threshold, which makes the fresh graduates shout "it is difficult to run a bank card, and it is difficult to go to the sky".
Why is it difficult to apply for a new bank card? Why do banks raise the threshold for opening cards? How should newcomers in the workplace respond?
A class of accounts are strictly examined for card opening.
"Bloggers complain that housewives can't get bank cards", "Don't open mobile banking, don't let them get cards" ... Enter the keyword "It's difficult to open a card" on social platforms, and various complaints abound.
A blogger of a video website told his experience of "difficulty" in running a bank card.
Under the related topics page, many recent graduates said that they could not provide complete information about opening a first-class account and were told by the bank that they could only handle a second-class account, which would greatly limit their consumption and transfer quota.
It is understood that according to the regulations, the total number of physical savings cards opened by individuals in a bank nationwide can not exceed four in principle, and each person can only open one first-class account in the same bank.
Recently, Xiao Chen actually explored a joint-stock bank outlet, hoping to apply for a bank card as a salary card as a fresh graduate. The staff at the bank counter said that it is necessary to provide proof of work and social security payment records for handling a Class I card. If relevant materials cannot be provided, it cannot be handled.
When asked what to do if the fresh graduates who have not yet joined the job cannot provide the above materials, the staff member said: "In this case, only the second-class certificate can be handled."
Xiao Chen also telephoned several state-owned banks and joint-stock banks, and found that different banks have different restrictions on card opening conditions. Some bank staff said that if they did not apply for a bank card before, they could open a first-class account with their ID cards.
Bank "broken card" continues to exert its strength
Why "you can get a bank card with your ID card" has become a thing of the past?
Some bank staff said that the "heavy card setting" is mainly to cooperate with the "broken card" action and prevent telecommunication network fraud.
In June, 2020, 65438+1October, 65438+1October, the State Council held an inter-ministerial joint meeting to crack down on new crimes of telecommunication network, and decided to launch a nationwide "card-breaking" campaign to severely crack down on illegal activities of selling telephone cards and bank cards. The People's Bank of China requires banking financial institutions and non-bank payment institutions to implement the main responsibility and strengthen risk prevention and control in accordance with the principle of "whoever opens the card is responsible".