The second method: upgrade directly. If we don't have a first-class card in the bank, we can directly upgrade the second-class card to a first-class card;
The third method: cancel a card. If we already have a first-class card in the bank, but don't use it often, we can cancel the original first-class card directly at this time. After cancellation, upgrade the second-class card to the first-class card. In this way, the original second-class card was changed into a first-class card.
What is the difference between the first-class card and the second-class card of the Postal Savings Bank?
1, with different properties.
The first card of the Postal Savings Bank is a first-class account, and the second card is a second-class account. Among them, Class I accounts are full-featured accounts, which are known as debit cards, and generally refer to accounts opened through traditional bank counters that meet all strict requirements in real-name registration system. Simply put, it is a savings card or debit card in your hand.
2. Support different businesses
The businesses that Class II households do not support include third-party depository, bancassurance, bancassurance transfer, foreign currency deposit and withdrawal, electronic cash account, easy consumption and turnover. In addition to the above businesses, it supports all other businesses, such as professional edition, foreign exchange settlement and sale, fund, wealth management, cash deposit and withdrawal, loan issuance and repayment, online payment and consumption abroad. , and supports all flash services except HCE and Ese.
Personal wage income, large-sum transfer, bank-securities transfer, payment of medical insurance, social insurance, pension and provident fund of Class I households are handled by Class I households.
3. There are different restrictions on the quantity of issuance and entry.
Various accounts of Class II households (excluding binding card transfer, loan issuance and financial redemption) ≤ 1 10,000/day, 200,000/year; Various accounts (excluding binding card transfer, loan repayment and house purchase financing) ≤ 1 10,000/day, 200,000/year.
The second-class bank account may be a commonly used account, and it is used for daily consumption, online shopping and online payment. In other words, the daily consumption mainly depends on the bank II account.
The main feature of the second-class bank account is that it is particularly convenient to use and involves relatively little funds. According to the current regulations, the use of bank II accounts for consumption and payment, the transfer of funds from unbound accounts and the access to cash are all restricted.
China's state-owned commercial banks and joint-stock commercial banks will open Class II accounts through electronic channels before June 2065438+2008. In other words, you can open second-class accounts in online banking, mobile banking, direct banking, intelligent teller machines, etc. You don't have to go to the bank counter in person.
In addition to Class I and Class II households, there are also Class III households, which can handle the business of restricting consumption and payment and restrict the transfer to unbound accounts. The identity of the bank staff is confirmed by the bank counter and self-service equipment in person.
Class III families can also handle the transfer of funds from unbound accounts. Among them, the balance of Class III account does not exceed 65,438+0,000 yuan; The daily cumulative limit of funds transferred to unbound accounts is 5,000 yuan, and the annual cumulative limit is 65,438+10,000 yuan; The daily cumulative limit of consumption, payment and transfer to unbound accounts totals 5,000 yuan, and the annual cumulative limit totals 654.38+10,000 yuan.