Similar to credit cards, second-class cards are mainly used for users' daily expenses or investments. The level is higher than the first-class card, and the conditions are higher than the first-class card. The source of funds for the second-class households is the first-class households, including accounts opened in Internet banks such as direct selling banks and Weizhong banks. Second-class households can make deposits, buy bank investment and wealth management products and pay for consumption. The daily transfer limit of Class II bank card accounts is 654.38 million yuan, and the annual transfer limit is 200,000 yuan.