When we handle credit cards, we usually handle one card and issue one, but we will also encounter the situation that only one credit card is handled and the bank gives two. Many people don't know what happened, and some still think that the bank gave the wrong credit card. Let's get up and find out.
Why did you apply for two credit cards?
In this case, the application is a set of cards. Although two credit cards are given, the card organizations are different, usually 1 UnionPay credit card, a VISA card or MasterCard. Banks do this to make it easier for people to use their cards. Since the cancellation of multi-currency credit cards, many people have to apply for a VISA/MasterCard separately if they have overseas needs.
You don't have to bother to apply for a set of cards. You can get cards from two different organizations in one application. UnionPay cards can be used for domestic consumption, and++cards can be used for foreign consumption. Different institutions have different rights to use cards.
However, although the bank gave two cards, not everyone has to activate them, mainly depending on their own needs. If there is overseas demand, both cards can be activated. If you only swipe your card frequently in China, you can temporarily stop using the++card.
Some friends will worry that both cards are activated, but the++card will generate an annual fee if it is not used frequently. In fact, although many sets of cards have different card organizations, they generally only charge the annual fee of UnionPay cards, and++cards are free of annual fees during the validity period.
Of course, if you think that the++card is really useless and you are afraid that swiping it is risky, you can cancel it. There are two ways to cancel. You can call the issuing bank directly to cancel, or you can go to the bank branch counter to cancel yourself. Generally, from the date of cancellation, the cancellation is successful on the 46th day, and there is no balance and no debt.
Why do you charge two cards for one credit card (debit card)?
The user applied for a credit card (debit card), but received two cards. This is because some cards are issued in the mode of 1+ 1, and the card organizations of the two cards are usually different. For example, users apply for MasterCard (credit card), but in order to facilitate users to spend in China, they will also be issued a UnionPay credit card (credit card). Or the user directly applies for a set of cards, then you can get two credit cards (debit cards) of different card organizations at one time.
The bank gave the user two cards, but it is not necessary to activate them both, and then activate them when necessary.
Why are there two credit cards (debit cards)?
The user applied for a credit card (debit card) and 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 two cards to the user, usually UnionPay cards and++cards. The quota of the two cards is shared, and++cards cannot be used in many places in China, so UnionPay cards are needed in China.
Two cards are issued together. ++cards are generally platinum cards, and there is no annual fee for++cards.
Apply for a credit card. Why two?
The user applied for a credit card, but received two cards. This is because some cards are issued in the mode of 1+ 1, and the card organizations of the two cards are usually different.
For example, users apply for MasterCard, but in order to facilitate users to spend in China, they will also send a UnionPay credit card to users. Or the user directly applies for a set of cards, then you can get two credit cards of different card organizations at one time.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.
At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
The introduction of why there are two credit cards and how there are two credit cards ends here. I wonder if you have found the information you need?