I received two cards, but the other one should be an accessory card. It is very likely that the cardholder checked the option of applying for supplementary card when applying for a credit card.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with 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 specialized 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 limits.

According to the different card issuers, it can be divided into bank cards and non-bank cards.

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

Non-bank card.

This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person 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. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

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

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

Gold card.

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

Why apply for one credit card for two, and one is not activated?

One of them is a full currency card from the bank. If it is not activated, as long as it is not used, no other expenses will be incurred.

1. Normal customers only have one card if they apply for a card. Customers who apply for UnionPay single identification cards can also send all-currency cards to customers. There are VISA full currency cards and other brands of full currency cards. But it mainly depends on the way of application, not every customer will automatically give one when issuing cards. You can apply through the official client of Pocket Life, WeChat, official website and other channels.

2. If you receive the full currency card issued by the bank and don't use it for the time being, you can choose not to activate or cancel the account. However, it is necessary to protect the card. Whether it is activated or not, as long as it is not used, there will be no other fees, and there is no need to worry about the expiration of the annual fee.

3. China CITIC Bank, Bank of Communications and other banks will only issue free cards if customers apply for full currency cards. There are also some banks that will issue full-currency cards by default when the applicant chooses UnionPay single-label cards.

Extended data:

1, the role of the full currency card given by the bank

(1) No annual fee;

(2) Used for overseas or offshore procurement;

(3) Share the credit line and combine the bills with other credit cards of the same bank;

(4) No foreign exchange handling fee;

(5) It can only be used after activation.

2. Before you apply for a card, you can ask the bank whether it will issue an additional full-currency credit card. No, some banks can directly reject credit cards.

At the end of March 2016, the central bank stopped the dual-currency card, and there will be no more cards with two card organization logos. The withdrawal of double-label cards from the historical stage also means the convenient end of "one card goes to the world". If you want to have credit cards issued by UnionPay, Visa and MasterCard at the same time, you must apply for more than one credit card.