What’s the matter with getting two Bank of China credit cards at once?

Some credit card products of Bank of China adopt the 11 card issuance model, that is, you can apply for two cards at one time. Currently, some products adopt the 11 card issuance model for new customers. Old customers are only issued one card. If there is If you have objections, you can call the customer service hotline.

The above content is for your reference, please refer to actual business regulations.

Why are there two cards when applying for one credit card?

The user applied for a credit card but received two cards. This is because some cards have an issuance mode of 11 and a card organization of 2 cards. Usually it's different.

For example, a user applies for a MasterCard credit card, but in order to facilitate the user's domestic consumption, a UnionPay credit card will also be sent to the user. Or if the user directly applies for a set of cards, he or she can get two credit cards from different card organizations at one time.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. The card opening process is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed.

At this point the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card. After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

Why are there two credit cards (debit cards)?

When the user applied for a credit card (credit card), the bank issued two cards because the user applied for a set of cards. When a user applies for a dual-currency card, the bank will issue 2 cards to the user, usually one UnionPay card and the other a UnionPay card. The limits of the two cards are exclusive, and the cards cannot be used in many places in China, so you need to use UnionPay cards in China.

Two cards are issued together. The card is usually a platinum card, and the card has no annual fee.

Why do CITIC Bank credit cards have two cards?

1. When users apply for CITIC Bank credit cards, they sometimes receive two cards. This is because this card provides: For example, one card is for domestic use and the other is for overseas use. Therefore, the user receives two CITIC Bank credit cards. The cards have unlimited credit limits and have 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 fees for the two cards.

For this kind of card set, you usually only need to pay the annual fee for one card.