All along, whenever people went to the bank to open an account or deposit money, the tellers would greet them with a smile and offer enthusiastic service. However, recently there have been strange occurrences, with many banks refusing to issue cards. What's going on? Let's find out today:

Hello everyone, every day I share financial knowledge that ordinary people can understand. Recently, friends who have been to the bank to handle bank cards have complained to me, saying that your bank is now too much, and you don't even issue cards when you go to apply for them, and you even ask for all kinds of strange proofs. Is it really that your bank has too many customers and wants to turn customers away?

In fact, it's not really the case. The bank is under so much pressure now, with an extremely heavy task target. If someone comes to apply for a card, it's a blessing in disguise, so how could they refuse?

But the reality is indeed as many friends have said, now the review of bank card handling is very strict. The reason for this situation has to be traced back to a meeting on October 10, 2020, which was the "National 'Card Cutting' Action Deployment Conference on the Work of Combating and Managing New Types of Telecommunications Network Crimes" held by the State Council, also known as the "Card Cutting Action" that everyone is familiar with later.

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What kind of cards are specifically cut? There are two types of cards, one is the phone card, and the other is the bank card we are talking about today. Especially the bank card, as an important carrier of illegal funds in illegal and criminal activities, is an important part of the public security department's efforts to combat and prevent crimes.

As the source unit for handling bank cards, if the bank can actively identify and screen out card applicants who may commit illegal and criminal activities, it is obviously of vital importance to the fight against illegal and criminal activities.

The idea is very good, but when it comes to the specific implementation, there are still difficulties. After all, the bank is not a specialized case-breaking agency, and it is still difficult to identify illegal personnel. The most critical point is that the process of handling bank cards is only the first step in illegal and criminal activities. In the absence of evidence and any signs of crime, it is extremely difficult for bank staff to identify criminals.However, in accordance with the requirements of regulatory authorities, if a bank card is used for illegal and criminal activities in the future, the bank will bear certain responsibilities. This is something no one can tolerate. It can be said that in similar matters, bank staff are in a dilemma. In the end, with no other choice, they can only raise the standards for review to prevent and eliminate criminals from obtaining bank cards as much as possible.

Firstly, for card applicants from other regions who are under significant suspicion, the bank will generally require the review of many documents in addition to the ID card, such as residence permits, work certificates, and even utility bills. Although it may sound bizarre, it is indeed a necessary measure under special policies.

Secondly, for local card applicants, the bank will typically require the provision of an ID card, household registration book, property certificate, work certificate, and so on.

After listening to the above explanation, I believe everyone will have a certain understanding of the bank's practice of refusing to handle bank cards for some individuals. Although it may sound a bit "unsympathetic," it is indeed a necessary measure, and I ask for your understanding.

Of course, combating illegal and criminal activities has become a routine task, and it will be even stricter in the future. Therefore, I hope everyone will use their bank cards correctly in their daily lives, never rent or lend them out, and certainly not participate in illegal and criminal activities. This is something that must be paid attention to.

So, what are everyone's thoughts on the strict review process when banks handle bank card applications?

What documents do you need to provide when you apply for a bank card?

We welcome everyone to leave a comment and interact in the comments section, and let's discuss together.That concludes the content of today's program. If you have any further interests in the area of finance and wealth management, please feel free to leave me a message.