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银行卡“磁旧换芯” 下月起复合卡磁条交易将关闭

2017-04-25 16:51:26   中国经济网

在工商银行某网点,大堂经理告诉《证券日报》记者,所有磁条卡均可以免费升级为芯片卡,不过只有62开头的卡片可以保留原有卡号。

农业银行62开头的卡可以保留原有卡号,不过需要在15个工作日之后才能拿到卡片,9599开头的农行卡则不可以保留原来的卡号。

招商银行的工作人员则表示,磁条卡可以免费更换为磁条芯片复合卡,如果客户有保留原来卡号的需求,则需要特殊制卡并等待7至10个工作日。

不过,并不是所有银行都可以保号换卡。在中国银行某网点,工作人员则表示所有卡片换卡都不能保留原有卡号,不过多数跟银行“签约”的业务会自动迁移到新卡上,代扣代缴等部分业务则需要重新在柜台上做变更。如果原本的银行卡要还贷款,则需要向贷款部门告知一下变更还款账户。此外,支付工具等第三方账户则需要重新进行挂钩。

在《证券日报》记者走访的部分银行,换“芯”免费有一定的优惠时间,部分银行规定优惠时间在2017年12月31日之前。尽管银行工作人员出于安全考虑建议市民尽快换卡,仍有不少市民表示暂不考虑。

《证券日报》记者在走访过程中随机采访了部分在银行办理业务的市民。

一位年轻女士表示,自从开通网银和手机银行,再加上绑定了微信、支付宝,现在出门基本不带卡了,平时刷卡功能很少使用,并没有换的必要性。

也有其他市民表示,既然原来的磁条卡仍可以正常使用,有的银行卡换卡不能保号,打算正常使用到卡片到期自然淘汰。

(刘萌)

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