First, understand why it is so difficult to open a card after being penalized?
First, a hard truth: as long as you are on the [penalty list], within five years the banking system will directly lock your identity information. Don’t mention opening a new salary card; even mobile banking transfers and binding Alipay may be restricted.
This is because someone previously used bank cards for score running and money laundering. Now the regulations are strict, directly placing [related account individuals] into [key monitoring pools].
Second, key points! What situations might allow [exceptions for opening a card]?
If your salary card is [essential for survival], some banks may be lenient, but you must meet two core conditions:
1. Salary source must be [clean and necessary]
What does necessary mean?
For example, if you are an employee of a state-owned enterprise or public institution, and your salary is a fixed income paid directly by the treasury;
Or you work in a formal company, and your salary is paid by the bank (able to provide labor contract and salary flow proof).
Remember: those [flexible employment] [part-time income] are likely not acceptable, regulators will suspect that your source of funds is unclear.
What does clean mean?
You must prove that your salary income does not involve any funds related to cases.
2. Can only open a [Class II account], and functions are limited.
Even if the bank agrees to open a card, it is most likely a Class II account of this type, with a daily transaction limit of 10,000 yuan, and an annual cumulative limit of 200,000 yuan. Moreover, it can only be used to receive salary and cannot be transferred or withdrawn.
In simple terms, this card is a [salary safe], money can only go in, not casually out, to prevent you from using the salary card for mischief.
Third, practical strategy: three steps to teach you [curved rescue].
If you confirm that you meet the [necessary card opening] conditions, follow these three steps to increase your success rate by 80%:
Step 1: First check the [penalty level], don’t go for nothing.
How to check?
Bring your ID to any bank outlet and tell the teller [I want to check if I am a related account person], and ask them to pull a (related account person penalty status inquiry form) for you.
What’s key?
If it shows [restriction on opening new accounts], but doesn’t say [prohibited from opening specific purpose accounts], it indicates there is operational space.
If it directly states [full-function penalty], then it’s basically hopeless, and you can only wait for five years before it’s lifted.
Step 2: Prepare the [three essentials for opening a necessary card].
1. Work certificate: labor contract, employee ID, company-issued (salary card application form), must be stamped with the official seal, clearly stating [for receiving salary only];
2. Income certificate: salary slips from the last 3 months, handwritten is invalid, must be printed and stamped by the company’s system, or social security payment records proving you are indeed employed.
3. Commitment letter: handwrite a (fund usage commitment letter), stating [I commit that this account is only used for receiving legal salary income, and not for any investment, loan, or other purposes], and press your fingerprint.
Step 3: Choose the right bank, don't just stick to one.
Prefer to choose [local banks]: such as rural commercial banks, city commercial banks, their regulatory standards are more lenient than the four major banks.
Previously, a friend at a certain city commercial bank successfully opened a Class II card using [factory salary certification] + [low-income subsidy receipt].
Avoid [banks with high incidence of related cases]. If your previous related account was at a certain bank, it is advisable to switch to another one because the same system has stricter penalties.
Talk to the [corporate business window], don’t go to a regular counter, go directly to the [corporate business manager], and explain that you are [a company payroll necessity]. They understand the policy flexibility better.
Fourth, a reminder to avoid pitfalls. Do not engage in these three [tricky operations]!
1. Do not use [other people's bank cards to receive salary]: someone previously had a colleague help collect salary, but the colleague’s card was frozen, and both were investigated, directly extending the penalty period.
2. Do not forge certification materials. Someone once forged a [salary certificate from a public institution], and was exposed by bank risk control, leading to police involvement and nearly getting charged with [forging official documents].
3. Don’t believe [internal relationships can lift penalties]. Those online offers of [paying 5000 yuan to help you open a card] are all scams. The banking system is nationally networked, and no one can manually change the penalty status.
Let me say a few more words, how to [self-rescue] during the penalty period?
Being penalized is indeed troublesome, but five years is not very long. We can take the opportunity to do two things:
First, clear all bank cards under your name: cancel all unused cards to avoid [dormant cards] being stolen by others, which would increase the penalty.
Regularly update your income certificate: go to the bank once a year to update your work and income status, so the bank knows you have been working properly for the past five years. As soon as the penalty period is over, apply to lift the restrictions immediately.
Remember, the regulation is getting stricter. Instead of thinking about [finding loopholes to open a card], it’s better to eliminate risks from the source. Absolutely do not lend cards, do not run scores, do not help strangers transfer funds, etc.
