Bank cards are generally divided into two types, namely debit cards and credit cards:
Debit cards: Debit cards are divided into two types, namely: 1. Savings Card, it is issued by the bank for general customers. The bank card we often refer to is this kind of card, which is mainly used for deposits. 2. Wealth management card, which is issued by banks for high-end customers, through which you can directly handle bank financial management related businesses.
Credit cards: Credit cards are also divided into two types, namely: 1. Credit card, which is a credit card in the narrow sense that we often mention. With it, you can consume first and repay later, but deposits No interest. 2. Quasi-credit card, which has some functions of credit card and debit card. There is interest on deposits, and small overdraft consumption can be made. However, its consumption limit is not as high as that of credit card, and the debt must be paid off at once. Very few people use this card.
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The difference between first-class and second-class bank cards
1. First-class cards can deposit and withdraw cash, manage wealth, transfer, pay bills, etc. , there is no limit when using it; the second-category card is mainly responsible for larger daily expenses, financial management, investment, etc.
2. The funds of the second-category account come from the first-category account, which means that the functions of the first-category card are relatively basic, while the functions of the second-category card are derivative, including in direct banks and Internet banks such as Weizhong. For accounts opened by banks, etc., Category II accounts can handle deposits, purchase bank investment and financial products, and make consumption payments, etc.
3. The first-category account is a full-function account, which is a well-known debit card. It can handle deposits, transfers, consumption payments, purchase investment and financial products, cash withdrawals, etc. The scope and amount of use are not limited. . Individuals' salary income, large-value transfers, bank-securities transfers, and payment of medical insurance, social insurance, pensions, provident funds and other services should be handled through Class I accounts.
4. Category II accounts can handle deposits, purchase investment and financial products and other financial products, limit consumption and payment, and transfer funds to unbound accounts within limits. Category II accounts can also handle cash deposits and withdrawals, unbound account fund transfers, and can be issued physical bank cards through bank counters, self-service equipment and bank staff's on-site face-to-face identity verification.
5. The total daily cumulative limit for transferring funds and depositing cash into unbound accounts of second-category accounts is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan; consumption and payment, to unbound accounts The total daily cumulative limit for transferring funds and withdrawing cash is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan.
6. The biggest difference is that the second category cannot deposit or withdraw cash or transfer funds to unbound accounts.
This all started because the country intensified its efforts to crack down on telecommunications fraud in 2016. The reason for launching the second and third types of these small payment accounts is to allow customers to use these small payment accounts for daily consumption, especially when binding electronic quick payments. A limit of 10,000 yuan is enough to meet daily consumption needs. Once you encounter telecom fraud or an accident such as a mobile phone virus, the loss can be controlled to a smaller range due to the limit.