The second card is a restricted function account with limited business scope. For example, large amount transfer, bank-securities transfer and cross-border remittance are not supported.
2. Credit limit: The credit limit of Class I bank cards is not limited when handling business such as transfer and consumer payment.
Class II bank cards are subject to quota restrictions when handling business such as transfer and consumer payment.
3 Whether there is a physical card: All types of cards have physical cards.
The second type of card has no physical card, but we can also apply for a physical card from the bank.
Extended data:
Class I accounts are full-featured accounts, which are also known as debit cards. Can handle deposits, transfers, consumer payments, purchase investment and wealth management products, cash withdrawals, etc. And the use range and dosage are not limited.
Personal wage income, large transfer, bank-securities transfer, and payment and payment of medical insurance, social insurance, pension, provident fund and other businesses must be handled through Class I households.
Type II households can make deposits, purchase financial products such as investment and wealth management products, restrict consumption and payment, and restrict transfer to unbound accounts.
If the identity is confirmed by the bank staff in person through the bank counter and self-service equipment, Class II households can also handle cash deposit and withdrawal, fund transfer in unbound accounts, bank card issuance and other businesses.
Among them, the daily cumulative limit of transferring cash to unbound accounts by Class II households is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan; The daily cumulative total limit of consumption payment, transfer to unbound account and cash withdrawal is 6,543,800 yuan, and the annual cumulative total limit is 200,000 yuan.
Class III households can handle limited consumption and payment business, and transfer funds from the limit to unbound accounts.
. If the identity is confirmed in person by the bank staff through the bank counter and self-service equipment, Class III households can also handle the transfer of unbound account funds into the business.
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. We can judge the difference between the first-class bank card and the second-class bank card from these points.
According to the relevant regulations, an ID card can only open a first-class bank card account in the same bank, but it can open multiple second-class bank cards, generally up to four. So there is a certain difference in quantity between the two. Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.
Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.
From August 1 2007, the annual management fee for bank cards was cancelled, and some basic financial service charges of commercial banks were suspended.
20 19 on April 22nd, China unionpay released the report on the development of bank card industry in China (20 19).
On August 15, 2020, Baidu Company, baixin bank and China UnionPay launched the first digital bank card in China-Baidu Flash Payment Card.
On August 3rd, Kloc-0, China UnionPay released its first digital bank card "UnionPay Unbounded Card".
Matters needing attention
1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it for safety reasons and notify the bank immediately;
2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks;
It is best to store the bank card and ID card separately. Don't lend your bank card to others, and don't disclose your bank card number and password at will.
4. When spending by credit card, don't let the bank card leave your sight, pay attention to the number of times the cashier swipes the card, and when you get the shopping list and card, check whether the amount on the shopping list is correct and whether it is my card;
5. Open SMS service, keep abreast of account changes, and immediately call the bank to report the loss once abnormal transactions are found;
6. If you suspect that the funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in time.
7. Bank cards should not be placed with mobile phones, televisions, stereos, microwave ovens and other electrical appliances with strong magnetic fields. It's better to put them far away. Don't put multiple bank cards and passbooks together.
8. Try to separate the cards with pieces of paper to play the role of spacing.
9. You can use a special bank card case or anti-magnetic card case.
The same bank cannot open more than 4 cards.
On 2015,65438, in February, the Notice on Matters Related to the Banking Industry's Combating and Governing New Crimes in Telecommunication Networks (hereinafter referred to as the Notice) was issued. According to the circular, starting from June 20 16 and 1 year, the same customer should not open more than four debit cards in the same institution in principle.
At the same time, the notice also stipulates that "in principle, the same agent shall not open more than three cards in the same commercial bank. The debit card opened by the agent can only be used after the agent activates his valid identity document at the counter. "
The notice also requires that for customers who already have more than four debit cards, banks should take the initiative to contact customers for verification, and if they find that they are unwilling to handle it, they should suspend their services.