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Is this second-category card a credit card?

All-in-one card (Type II) is not a credit card. "All-in-One Card (Type II)" refers to the Type II bank settlement account issued with physical cards provided by China Merchants Bank to customers. Each business uses the same menu as "All-in-One Card". Type II cards can only log in to mobile banking using OneNet, while logging in to the public version can use OneNet or the card number.

(Response time: November 26, 2019. For the latest business changes, please refer to the official website of China Merchants Bank)