Why are there two cards when applying for one credit card?

The user applied for a credit card but received two cards. This is because some cards have an issuance mode of 11 and a card organization of 2 cards. Usually it's different.

For example, a user applies for a MasterCard credit card, but in order to facilitate the user's domestic consumption, a UnionPay credit card will also be sent to the user. Or if the user directly applies for a set of cards, he or she can get two credit cards from different card organizations at one time.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed.

At this point the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card. After a credit card merchant or bank accepts a credit card, it must review the validity of the credit card and the identity of the cardholder.

Why are there two credit cards (debit cards)?

When the user applied for a credit card (credit card), 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 2 cards to the user, usually one UnionPay card and the other a UnionPay card. The limits of the two cards are exclusive, and the cards cannot be used in many places in China, so you need to use UnionPay cards in China.

Two cards are issued together. The card is usually a platinum card, and the card has no annual fee.

What does it mean to have two credit cards?

One possibility is that the credit card you applied for is a set card, that is, one UnionPay card and one card. UnionPay cards are suitable for use in China. , the card is suitable for use abroad. If the card has little use, you can choose to activate only the UnionPay card.

Another possibility is a main card and a supplementary card. The main card is used by the applicant himself, and the supplementary card is used by the immediate family members of the main cardholder. If you accidentally check the supplementary card option when applying for a credit card, you may have two cards, the primary card and the supplementary card, when you get the card. The supplementary card also has a limit. The supplementary card limit can be freely specified, but it cannot exceed the main card limit.

UnionPay cards refer to bank cards that comply with unified business specifications and technical standards and have the word "UnionPay" printed on them at designated locations. Most of them start with "62". According to the relevant person in charge of the People's Bank of China, bank cards with the "UnionPay" logo must comply with the unified business specifications and technical standards stipulated by the People's Bank of China and be approved by the People's Bank of China.

The purpose of launching the "UnionPay" logo is to:

Provide a way for various automated teller machines (ATMs) and point-of-sale terminals (POS) to accept bank cards issued by commercial banks. A unified identification mark so that bank cards issued by different banks can be used universally on ATMs and point-of-sale terminals with the "UnionPay" logo, providing consumers with convenient, fast and safe financial services.

The characteristics of UnionPay cards are:

First, there is a red, blue and green "UnionPay" logo printed on the lower right side of the front of the card.

The second is that 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 has the words "UnionPay" printed in color, and the writing cannot be erased.

For cash withdrawals abroad with UnionPay RMB cards in China, in addition to the daily limit of the equivalent of RMB 10,000 per card, an annual limit is added.

For credit cards, due to credit limit and other reasons, the card-issuing bank may set a separate limit. Please consult the card-issuing bank for details. Various overseas countries and regions also have different limits on the amount of a single ATM withdrawal. Please refer to the instructions of the local machine for details.

Generally, credit card operators are mostly institutions in countries with freely convertible currencies, so in such countries, there is no difference between cards and local currency cards; in most developing countries, many countries The currencies of all currencies are not freely convertible. Therefore, even if a credit card using this currency as the settlement currency joins an international credit card organization, it can only issue regional cards and cannot be used internationally. To this end, the card issuer must use a certain freely convertible currency, that is, an internationally accepted currency, as the settlement currency for its international cards, so as to achieve the purpose of issuing an internationally accepted credit card. This is the so-called card.

This is the end of the introduction about why there are two credit cards and why there are two credit cards. I wonder if you have found the information you need?