The second card can't repay the loan. Because the loan amount is generally relatively large, and the second-class card has restrictions on transaction and transfer amount. Unable to repay the loan amount. So the bank requires that the loan must be
Can I get loans for Class II and Class II cards?
According to relevant regulations, the second-class account can meet the payment needs of direct selling banks and online wealth management products, but it cannot access cash or transfer money to unbound accounts. In addition, the maximum amount of consumption payment and payment cannot exceed 6,543,800 yuan per day. Generally speaking, the second-class card does not support businesses such as signing personal agreement transfer, signing designated payee agreement, third-party depository, bancassurance, bank-securities transfer, bank transfer, foreign exchange firm transaction, deposit and withdrawal, electronic cash account, easy consumption, easy turnover and POS merchant settlement account.
In addition, there are certain restrictions on the amount of second-class cards. The specific details of the amount limit are as follows:
All kinds of entries (excluding binding card transfer, financial redemption and loan issuance) ≤ 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.
Can Class III and Class II bank cards repay online loans?
Hello, second-class bank cards can't repay online loans, and second-class accounts can't be used to repay loans. After all, second-class accounts cannot access cash or transfer money to unbound accounts. At the same time, the daily transfer limit of the second-class card account is 1 10,000 yuan, and it is 200,000 yuan per year.
If the customer wants to repay the loan, it is best to bind a type of account. The first type of account is the personal wealth master account, which is actually an ordinary debit card (only one can be handled under the same bank). Large-scale consumption, savings deposits, investment and financial management have the most complete functions, and the transaction amount is not limited. They can be used smoothly and are naturally suitable for repaying loans.
Hello, can the second-class account be used as a card to repay the mortgage?
Yes, the second-class account can transfer money, but the second-class account has a limit, and repayment can be made if it does not exceed the limit, as follows:
Class II accounts can handle deposits, purchase financial products such as investment and wealth management products, restrict consumption and payment, and restrict transfer to unbound accounts. Class II households are not bound to accounts, and the daily cumulative limit of cash transfer and deposit is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan.
Class II or III accounts need to be upgraded to Class I accounts, which requires higher customer authentication and requires customers to go to outlets for on-site authentication. However, it is relatively simple to downgrade a first-class account to a second-class or third-class account, and customers can make adjustments after their basic identities are confirmed. Individuals can apply for opening Class II and III accounts online in mobile banking and online banking without leaving home.
Extended data:
1 Restrictions on the use of account and three accounts:
Class I accounts are full-featured bank settlement accounts with the highest security level, and can access cash, finance, transfer, payment and payment. And there is no limit to the amount. Class II and III accounts have small amounts, which are more suitable for daily expenses and small online payment services. Individuals who open Class II and Class III bank accounts can bind their Class I bank accounts or credit card accounts for identity verification.
Class I accounts must be handled in person at the bank counter.
The main function of Class III account is to restrict consumption and payment, and the balance of the account shall not exceed 1 1,000 yuan. The daily cumulative limit of fund transfer in unbound accounts is 5,000 yuan, and the annual cumulative limit is 1 1,000 yuan. The cumulative limit of consumption, payment and transfer to an unbound account is the same as the transfer limit.
People's Daily Online-The new regulations on bank account management will implement classified management of three types of accounts next month.
People's Daily Online-65438+February, personal bank account management implemented a new policy, and the three types of accounts had different limits.