1. Check through the bank counter, bring your ID card and bank card to the nearby CCB outlet, and the staff will tell you what kind of bank account you have.
2. For telephone inquiry, you can call the customer service hotline of China Construction Bank, connect the manual service and provide bank card number inquiry.
3. Inquire through mobile banking, download and log in to the official mobile app of CCB, and you can view the bank card account category in your account.
4. Inquire through online banking, enter China Construction Bank official website, and log in to your personal account, which can be viewed in the details of the bank card.
What kinds of bank cards are there?
1. Debit card: Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.
Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.
2. Credit cards: Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.
3. Credit card: Credit card, usually called credit card, refers to the credit card that the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. It has the following characteristics: consumption before repayment, interest-free repayment period (up to 56 days), minimum repayment amount, and repayment by installments when customers overdraw. Customers need to pay a certain annual fee to the bank they apply for, and each bank is different.
The difference between a clas I card and a class II card:
1. Different functions: The first type of card is a full-function account, which can handle deposit, transfer, consumer payment, purchase of investment and wealth management products, cash withdrawal and other businesses. There are no special restrictions on the scope of use and dosage; The second type of card is a restricted function account, which is used to restrict consumption, restrict payment and restrict the transfer of funds to unbound accounts.
2. The cash deposit limit is different: there is no limit for the first-class card, and the daily cumulative limit for cash transfer and deposit for the second-class card is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan.
3. The cash limits for consumption, payment, transfer-out and withdrawal are different: the daily cumulative limit of the first-class card is greater than that of the second-class card, and there is no annual cumulative limit; The daily cumulative limit of Class II cards is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan.