What should I do if I have provident fund but no card? Analysis of hot topics on the Internet in the past 10 days
Recently, "What should I do if I have provident fund but no card?" has become a hot topic on social platforms. Many netizens are confused about the relationship between provident fund accounts and co-branded cards. This article will give you a detailed answer to this question and provide structured data reference based on the hot content of the entire network in the past 10 days.
1. Statistics of hot topics in the past 10 days
| Ranking | Topic keywords | Search volume (10,000) | Main discussion platform |
|---|---|---|---|
| 1 | New rules for withdrawing provident funds | 158.6 | Weibo/Zhihu |
| 2 | Provident fund joint card application | 89.3 | Baidu knows |
| 3 | Provident fund inquiry without card | 72.1 | Douyin |
| 4 | Transfer of Provident Fund to Other Places | 65.4 | Today's headlines |
| 5 | Provident Fund Loan Conditions | 53.8 | WeChat public account |
2. Why is there a situation of “having provident fund but no card”?
1.Unit collective account opening: When some companies apply for provident fund accounts in batches for their employees, they may not apply for joint cards simultaneously.
2.banking system delays: Provident fund co-branded cards in some areas need to be applied for separately from cooperative banks, and there is a processing time difference.
3.policy differences: According to data from the Ministry of Housing and Urban-Rural Development, 12 of the 34 major cities across the country still allow cardless transactions.
| city type | Support cardless processing ratio | Main alternative |
|---|---|---|
| first tier cities | 91% | Electronic social security card/APP |
| New first-tier cities | 83% | ID verification |
| Second and third tier cities | 67% | Unit certificate |
3. Complete solution guide
Option 1: Online channel processing
① Log in to the local provident fund official website or APP (such as Alipay "Citizen Center")
② Enter the "Card Management" module and select "Virtual Card Application"
③ Complete identity verification through face recognition
Option 2: Reissue at offline outlets
Materials required:
- Original ID card
- Provident fund account number (can be inquired from the HR of the unit)
- Recent 1-inch ID photo with white background
| Bank type | Processing time limit | Charges |
|---|---|---|
| state-owned banks | 3-5 working days | Free of cost |
| joint-stock bank | Instant card printing | 5-20 yuan |
| city commercial bank | 1-2 working days | Partially free |
4. Authoritative answers to hot issues
Q1: Will not having a card affect provident fund withdrawal?
A: According to the latest reply from the 12329 hotline, 28 provinces across the country support cardless withdrawals, and you can directly transfer money to your savings card through the APP.
Q2: Are provident fund card and social security card the same one?
A: Not all cities have implemented the “one card”. Currently, only 9 pilot areas including Beijing-Tianjin-Hebei and the Yangtze River Delta have completed system integration.
5. Expert advice
1. Prioritize checking account status through the "National Housing Provident Fund" WeChat applet
2. If you need a physical card, it is recommended to choose a bank branch that cooperates with the unit.
3. Regularly check account balances. More than 730 million provident fund data have been online across the country.
With the advancement of digital government affairs, it is expected that by the end of 2024, “cardless” provident fund processing will be fully covered across the country. During this period, it is recommended that contributing employees pay attention to the announcements of the local provident fund center in a timely manner to ensure that their legitimate rights and interests are not affected.
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