Why are there two credit cards in China Bank?

some credit card products of BOC adopt the 11-card issuing mode, that is, two card faces are applied at one time. At present, some products adopt the 11-card issuing mode for new customers, and old customers only issue one card. If you have any objection, you can call the customer service hotline.

the above contents are for your reference. please refer to the actual business regulations.

What do you mean by why there are two credit cards?

One possibility is that the credit card applied for is a set of cards, that is, one UnionPay card and one card. UnionPay cards are suitable for use in China and cards are suitable for use abroad. If the card is of little use, you can choose to activate only UnionPay cards.

another possibility is a main card and an auxiliary card. the main card is used by the applicant himself, and the auxiliary card is used by the immediate family members of the main card holder. If you don't pay attention to the secondary card option when applying for a credit card, you may have two cards, the primary card and the secondary card, when you get the card. The secondary card also has a quota, and the quota of the secondary card can be freely specified, but it cannot exceed the quota of the main card.

unionpay card refers to a bank card that meets the requirements of unified business specifications and technical standards, and is printed with the word "unionpay" at the designated location. Most of them start with "62". According to the relevant person in charge of the People's Bank of China, the bank card with the "UnionPay" logo must conform to the unified business norms and technical standards stipulated by the People's Bank of China and be approved by the People's Bank of China.

The purpose of "UnionPay" logo is:

To provide a unified identification mark for all kinds of ATMs and POS terminals to accept bank cards issued by commercial banks, so that bank cards issued by different banks can be commonly used in ATMs and POS terminals with "UnionPay" logo, and provide convenient, fast and safe financial services for consumers.

The characteristics of UnionPay cards are as follows:

First, the red, blue and green "UnionPay" logo is printed on the lower right side of the front of the card.

Second, there is a holographic laser pattern above the "UnionPay" logo on the credit card.

Third, the signature strip on the back of the credit card is printed with the words "UnionPay" in color, and the handwriting written on it cannot be smeared.

China UnionPay RMB card can withdraw cash from overseas, and the annual limit is added except that each card does not exceed the equivalent of RMB 1, per day.

due to credit limit and other reasons, the issuing bank may set a separate limit. please consult the issuing bank for details. Overseas countries and regions have different restrictions on the amount of ATM single withdrawal, which is subject to the local machine tips.

In general, most credit card operators belong to institutions in countries with freely convertible currencies, so there is no difference between cards and local currency cards in such countries; However, in most developing countries, the currencies of many countries are not freely convertible. Therefore, even if a credit card with this currency is a member of an international credit card organization, it can only be issued as a regional card and cannot be used internationally. To this end, the card issuer must use a freely convertible currency, that is, the internationally accepted currency, as the settlement currency of its international card, so as to achieve the purpose of issuing internationally accepted credit cards, which is the so-called card.

credit card limit * * * Why do you need two? Can have these benefits

At present, many credit cards in the name of many banks are enjoyed by * * *, and the one with the highest amount ends, so many people are puzzled by the fact that they have two cards in the same bank. After all, no matter how many credit cards they have, they can't be superimposed. So why do they need two? Let's take a look.

credit card limit * * * Why do you need two?

In fact, many people have two credit cards for reasons, such as enjoying different rights and interests, and curve withdrawal.

1. Credit card benefits

There are many types of credit cards issued by banks, such as standard credit cards, co-branded cards and some special cards, but different types of cards have different benefits, so in order to enjoy more benefits, they will handle multiple cards to meet their own needs.

Like many high-end business travelers who own cars, they will apply for owners' credit cards and enjoy the rights and interests of automobile services, such as gas concessions, vehicle maintenance, road rescue and so on. Because you may often fly around on business trips, you will also run some airline co-branded cards, you can exchange points for miles, and some can even exchange air tickets.

2. Curve withdrawal

Many friends have used their first credit card for a long time, but they can't withdraw the amount after all methods have been exhausted, so they will find other channels to withdraw the amount. For example, they can apply for a platinum card for a gold card. If the card is approved successfully and the amount is higher than the first card, it means that the curve withdrawal is successful.

then you can call the banking service hotline, transfer the manual service, and apply to the customer service to adjust the first card quota to the same level as the second card quota.

that's the introduction of "why do you need two credit cards?". In short, although the credit card limit is * * *, it is also beneficial to have two cards. However, it is necessary to pay attention to the repayment of two cards, depending on whether they are combined or need to be repaid separately.

I would like to ask why there are two credit cards in CITIC Bank.

1. When applying for a credit card of CITIC Bank, users sometimes receive two cards. This is because this card provides a card matching service, for example, one card is used in China and the other card is used abroad. Therefore, the user received two credit cards from China CITIC Bank, which are * * * with the same functions, but the card issuing organizations are different.

2. As for receiving two cards, users will worry about whether they need to pay the annual fee for the two cards. This kind of card set usually only needs to pay an annual fee for one card.