You can have it. Credit card is a second-category account. Category I accounts refer to accounts opened through traditional bank counters that meet all the strict requirements of the real-name system. To put it simply, it is the savings card or debit card you hold in your hand. Its functions include deposits, purchasing financial products, cash withdrawals, transfers, consumption and premium payments, etc.

Type II accounts cannot deposit or withdraw cash, nor can they transfer funds to unbound accounts. The single-day payment limit for this type of account is 10,000 yuan. This is the case with credit cards, for example.

Type III accounts are mainly used for quick payments such as Quick Pass, password-free payment, etc. They can only handle small-amount consumption and payment, and are not allowed to handle other businesses. The household balance does not exceed 1,000 yuan. Category II and III households do not have physical cards. The limits for Type II and Type III accounts are mainly to effectively control customer capital risks.