China Bank will issue the credit card limit after evaluating the user's comprehensive qualification.
1. Classification of credit cards
1. A type of bank card
is a kind of settlement account, which has comprehensive functions and has no restrictions on its scope of application, usage amount and account balance.
2. The second-class bank card
is a second-class settlement account, which is generally a convenient wealth management account. With the second-class bank card, investment, transfer and consumption can be made, but the second-class bank card is limited. If you transfer money to an unbound account, the daily transfer limit is 1, yuan and the annual transfer limit is 2, yuan.
3. Class III bank cards
(1) are virtual cards, with a daily cumulative transaction amount of 5, yuan and a yearly cumulative limit of 2, yuan, and the card balance shall not exceed that of 1 yuan.
(2) Class III cards are electronic accounts launched by banks. Without physical cards, they can be opened at the counter or through online related channels, and the amount of Class III cards will be limited.
second, the difference between the first-class bank card and the second-class bank card
1. Opening channels: The opening of the first-class bank card must be verified by the bank counter in person; There are many channels for opening Class II bank cards. Cardholders can choose to check and open them in person at the bank counter or through electronic channels such as mobile banking. You can choose according to your actual situation.
2. Number of accounts opened: According to relevant regulations, one person can only open one first-class bank card account with one ID card in a bank; However, more than one second-class bank card can be opened. At present, four second-class cards can be opened at most.
3. Function scope: A type of card has the most functions, and a type of card can be said to be a full-function account, and there is no scope limit when handling business; Compared with the first-class card, the second-class bank card is a restricted function account, and its business scope is limited. For example, the second-class bank card does not support large-sum transfer, bank-securities transfer and cross-border remittance.
4. Limit of credit line: The credit line of Class I bank cards is not limited when handling business such as transfer and consumption payment; Different from the first-class card, the second-class bank card has a limit when handling business such as transfer and consumption payment.
3. How to tell the difference between a first-class card and a second-class card
1. You can call the bank's customer service number for consultation
2. If you have time, you can also go to the bank counter for direct inquiry, but you need to bring your ID card and bank card
3. Mobile banking inquiry, download the right mobile banking app, and you can inquire after logging in
4. Log in to your personal account through online banking.