What is a passbook?
passbook, or deposit book, commonly known as Hongpuzi, is a book used to record bank transactions for deposit accounts.
The size of the area will vary from country to country and banking institutions, and can be the size of a check book or the size of a passport.
It is undeniable that the usage rate of passbooks is getting lower and lower. It is estimated that only people between 1970 and 2000 will know the existence of passbooks, but there are probably few who know passbooks after 2000, let alone use passbooks.
will passbook be eliminated? I don't think so at the moment, but it may be in a few years.
Currently, more and more people like to use bank cards, especially contemporary young people.
. The elderly prefer to use passbooks. For the elderly, they think bank cards are not safe and they don’t know how to use bank cards. The elderly think that passbooks are safe and can clearly see each transaction record. This is more obvious than the bank cards, making them safer.
Pros and disadvantages of passbooks and bank cards. Advantages of
Passbook
Passbook can be clearly viewed, and the deposit and withdrawal records and interest details are clear. The balance can be viewed at any time, but it cannot be bound or connected to online banking information. It is highly secure and reassuring. Disadvantages of
Passbook
has many inconveniences to use. Only during bank working hours can you go to the bank counter to handle deposits and withdrawals, and sometimes you still have to wait in line.
passbook can only be handled in the account opening bank, and cannot withdraw money across banks, and cannot be used for direct consumption.
Advantages of bank card
bank card is compact and convenient to carry with you. It can be used for card swiping and consumption, can be bound to online payment, can handle business on bank ATM 24 hours a day, and can also withdraw money across banks.
Disadvantages of bank card
in and out of the account information cannot be viewed at any time, and can only be checked through online banking or bank outlets. If the bank card is bound to pay, there will also be a certain risk of information leakage or stolen.
There have been related news reports that some children took their parents' bank cards to swipe their cards outside to spend money randomly, and also blocked the bank card text message on their parents' mobile phones for online payment and buying things, or recharge games, etc.
In contrast, although passbooks are clumsy, they can only be handled at the counter, cannot be connected to the Internet, and cannot be bound to APP consumption. From a certain perspective, this is also an advantage of passbooks.
What do you think of passbooks for this? Should they still exist, or are you still using passbooks?
