How to convert a long-term account to a normal account: Operation guide and precautions
In recent years, with the strengthening of financial supervision, banks have become increasingly strict in their management of "long-term suspended accounts" (i.e. long-term unused accounts) that have not been used for a long time. Many users urgently need to know how to convert their accounts into normal accounts after being listed as long-term accounts because they have not traded for a long time. This article will introduce in detail the definition of a long-term household, the process of converting to a regular household and common problems, and provide structured data for reference.
1. What is Jiuxianhu?
A long-term account refers to an account that has not undergone any transaction activity within a certain period of time (usually more than 1 year), and the balance is lower than the minimum standard stipulated by the bank, and is automatically marked as "dormant" or "long-term" by the bank system. Different banks have slightly different standards for identifying long-term accounts. The following are the criteria for determining long-term accounts for some banks:
| Bank name | Judgment conditions for long-term residence | Processing method |
|---|---|---|
| ICBC | No transactions in 1 year and balance <100 yuan | Convert to long-term household, need to activate |
| China Construction Bank | No transactions in 2 years and balance <50 yuan | Suspension of non-counter business |
| Agricultural Bank of China | No transactions in 3 years and balance <10 yuan | Automatic account cancellation |
2. The operation process of converting a long-term registered household to a normal household
If the account is listed as a long-term suspended account, the user must actively apply for activation to resume use. Here are the general steps:
1.Confirm account status: Check whether the account is marked as long-term through the bank APP, online banking or counter.
2.Prepare materials: Bring your ID card and bank card/passbook to a bank outlet. Some banks require you to fill in the "Account Activation Application Form".
3.Back payment: If management fees or annual fees are incurred during the period of long-term account suspension, the arrears need to be paid (see the table below for specific fees).
4.Activate account: After the bank approval is passed, the account status will return to normal.
| Fee type | Charges (example) | Remarks |
|---|---|---|
| Account management fee | 10 yuan/year | Some banks charge long-term suspension of accounts |
| Activation fee | 0-20 yuan | A few banks charge |
3. Precautions
1.time limit: Accounts that have been suspended for a certain period of time (usually 5 years) may be forcibly closed and must be dealt with as soon as possible.
2.Agent processing: If someone else handles the application on your behalf, a power of attorney and the original ID cards of both parties are required.
3.Account balance: If the account balance is zero for a long time, some banks may directly cancel the account and cannot restore it.
4. Frequently Asked Questions
Q: Will staying in residence for a long time affect my credit report?
A: Normally not, but if the debt is unpaid and the bank’s collection fails, it may be reported to the credit reporting system.
Q: Can I activate a long-term account online?
A: Most banks require offline processing, and a few support video verification or APP application (such as China Merchants Bank).
Summary: The process of converting a long-term account to a normal account is simple, but attention must be paid to handling it in a timely manner to avoid account cancellation. It is recommended that users log in to their bank accounts regularly or conduct small transactions to prevent being listed as a long-term account.
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