The first-class bank card refers to the bank card with the highest authority. Each bank can only handle one first-class card, that is, open a first-class account, and then handle a bank card at the bank, which belongs to the second-class card or the third-class card. At the same time, the annual fee and small account management fee can be reduced or exempted for first-class cards such as bank cards. For ordinary users, it is enough for a bank to handle a bank card. In addition, the payroll card generally recommends that users use the first type of card, and the second type of card has many restrictions, which is very inconvenient to use.

detailed information

Class I bank cards generally refer to commonly used debit cards, which can access cash, finance, transfer, payment and so on. , and is not limited by the amount.

The second category (the second category) is similar to a credit card, which is mainly responsible for daily expenses, or financial management and investment; The funds of Class II households come from Class I households, including accounts opened in Internet banks such as direct selling banks and Weizhong banks. Type II households can deposit money, buy bank investment and wealth management products, and pay consumption expenses. However, the biggest difference with Class I accounts is that Class II accounts cannot access cash or transfer money to unbound accounts. At the same time, the daily transfer limit of the second-class bank card account is 6.5438+0 million yuan, and the annual transfer limit is 200,000 yuan.

The third type of account is a small online payment service, which is similar to WeChat wallet and suitable for high-frequency small mobile payment. Class III households are mainly used for online payment, offline mobile payment and other micropayments, and can handle consumer payment. The biggest difference with Class I and Class II households is that Class III households can only handle small consumption and payment, and cannot handle other businesses.

bank card

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

There are two kinds of bank cards, one is credit card and the other is debit card. In other words, an ID card can only handle one debit card and one credit card in the same bank. Bank cards include credit cards and debit cards. Bank cards are divided into RMB cards and foreign currency cards according to different currencies; According to the different issuing banks, it can be divided into corporate cards (business cards) and personal cards; According to different information carriers, it can be divided into magnetic stripe card and ic card. Credit cards are divided into credit cards and quasi-credit cards according to whether the reserve fund is deposited with the issuing bank.