The funds of second-class households come from first-class households, including accounts opened in Internet banks such as direct selling banks and Weizhong banks. Second-class households can deposit money, buy bank investment and wealth management products and pay for consumption. The biggest difference with the first-level account is that the second-level account cannot access cash or transfer money to an unbound account. At the same time, the daily transfer limit of the second-class bank card account is 6.5438+0 million yuan, and the annual transfer limit is 200,000 yuan.
The third type of card account is a small online payment service, which is similar to WeChat wallet and suitable for high-frequency small mobile payment. The three types of households are mainly used for online payment, offline mobile payment and other small payments, and can handle consumer payment.
Extended data
Debit cards can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account.
Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay.
For quasi-credit cards, the cardholder first deposits a certain amount of reserve fund according to the requirements of the bank. When the reserve fund is insufficient to pay, he can overdraw the credit card within the credit limit stipulated by the issuing bank.
References:
Baidu Encyclopedia-Class II Card