Why did you apply for two credit cards? The reason is that

when we apply for a credit card, we usually apply for one card and issue one, but we will also encounter the situation that we only applied for one credit card, but the bank gave two cards. Many people don't know what is going on, and some still think that the bank gave the wrong credit card. Let's get up and find out.

why did I get two credit cards?

this is a set of cards applied for. Although two credit cards are given, the card organizations are different, usually a UnionPay credit card, a VISA card or a 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.

if you apply for a set of cards, you don't have to go to so much trouble. You can get two different organizations' cards at one application. You can use UnionPay cards for domestic consumption and foreign currency cards for foreign consumption, and the card rights and benefits of different organizations are different.

However, although the bank gave two cards, it is not necessary for everyone to activate them. It mainly depends on their own needs. If there is an overseas demand, both cards can be activated. If you only swipe your card frequently in China, the foreign currency card can be temporarily deactivated.

Some friends will worry that both cards will be activated, but foreign currency cards will generate annual fees if they are not commonly used. In fact, although many sets of cards have different card organizations, they generally only charge the annual fee of UnionPay cards, and foreign currency cards are free of annual fees within the validity period.

of course, if you feel that the foreign currency card is really useless and you are afraid of the risk of swiping it, you can cancel the card. There are two cancellation methods. You can directly call the issuing bank to cancel it, or you can cancel it yourself at the counter of the bank outlet. Generally, the cancellation will be successful only on the 46th day from the date of cancellation, without any balance or arrears.

Why do you apply for a credit card for two

When you receive two cards, the other card should be an accessory card. It is very likely that the cardholder checked the option of applying for a supplementary card when applying for a credit card

A credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

according to different card issuers, it can be divided into bank cards and non-bank cards

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card.

this kind of card can be divided into retail credit card and travel and entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card.

the gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

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, a UnionPay card and a foreign currency card. UnionPay cards are suitable for use in China and foreign currency cards are suitable for use abroad. If the foreign currency 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 foreign currency 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. Therefore, 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 called foreign currency cards.

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 a UnionPay card and the other a foreign currency card. The limit of two cards is * * *, and foreign currency cards cannot be used in many places in China, so UnionPay cards are needed in China.

two cards are issued together. Foreign currency cards are generally platinum cards, and there is no annual fee for foreign currency cards.

Why do you apply for a credit card?

Users apply for a credit card but receive two cards. This is because some cards are issued in the 11-card mode, and the card organizations of the two cards are usually different.

For example, the user applied for a MasterCard, but in order to facilitate the user's spending in China, a UnionPay credit card will be sent to the user. Or the user directly applies for a set of cards, then you can get two credit cards of different card organizations at one time.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.

the application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., with the applicant's autograph.

after receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, 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. The standards of different card-issuing banks are also different. 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 sent by post after it is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening program before it is officially opened. Card opening is mainly through telephone or internet, etc., to check the relevant personal information provided at the time of application, and complete the card opening procedure after it meets the requirements.

at this time, the applicant becomes the card holder, 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 credit cards, credit card merchants or banks should review the validity of credit cards and the identity of cardholders.

This is the end of the introduction about why two credit cards are given and why two credit cards are given. Did you find the information you need?