What’s the matter with having two credit cards?

The reasons why there are two cards when applying for a credit card may be:

1. When applying for a credit card, you checked the supplementary card Options

Nowadays, credit cards have their own supplementary cards, which are usually prepared for the wife, children or parents of the main card holder. If you accidentally check the supplementary card option when applying for a credit card, Then when you get the card, you may have two cards, the main card and the secondary card. The supplementary card also has a limit. The supplementary card limit can be freely specified, but it cannot exceed the main card limit.

2. In order for bank staff to complete business

Many bank staff now have credit card marketing tasks, so they may give you an extra credit card when you apply for it, but The credit card limits are the same, and the limits of the two cards are also shared, so it doesn't matter which credit card you use.

If it is not for the above reasons, it is best to consult the customer service of the bank where you apply for a credit card, or go directly to the counter where you apply for a credit card.

Credit card application

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can issue cards to Apply for a credit card. Sometimes, legal persons can also be applicants.

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. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

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 contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.

Review

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. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

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. .

Card Issuance

After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.

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.

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

When applying for a credit card, I checked the supplementary card option

Now that credit cards have their own supplementary cards, It is usually prepared for the wife, children or parents of the primary card holder. If you accidentally check the secondary card option when applying for a credit card, you may have two primary and secondary cards when you get the card. Card. The supplementary card also has a limit. The supplementary card limit can be freely specified, but it cannot exceed the main card limit.

In order to complete the business

Many bank staff now have credit card marketing tasks, so they may give you an extra credit card when you apply for it, but the credit card number is The limit is the same, and the limits of the two cards are also shared, so it doesn't matter which credit card you use.

Credit Card (English: CreditCard) is a non-cash payment method and a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm (the size is defined by the ISO7810 and 7816 series of documents). It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. People do not need to pay cash when making purchases with a credit card, and repayment will be made on the settlement date.

Credit card application conditions:

Age between 18 and 60 years old, with full capacity for civil conduct;

Have a good credit record;

Have employment income and have the ability to repay.

Credit card application materials:

Identity proof information: copy of resident ID card or military officer ID card;

Employment and income proof information;

Other proof of financial resources: such as a copy of the real estate certificate, a copy of the driving license, a copy of the deposit receipt, etc.

Credit card application method:

Counter application:

Bring your credit certificate to the counter to apply:

Applicants are required to submit a relatively complete Asset certification documents are submitted to the bank for review by the bank's backend review department;

After passing the review, fill in relevant information and identity information;

Issue a credit card.

Online banking application:

The applicant uses a savings card account under his or her name to open online banking and enter the bank’s official website;

Enter the login password and verification code before entering online banking page;

Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit, the review progress and results will be displayed on the online banking;

After the review is passed, Issue credit cards.

Counter application process:

Go to the bank branch where the credit card is processed, or ask the staff of the local bank's credit card center to fill in the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;

Submit certain copies of certificates and certificates to the card issuing bank;< /p>

After filling in the application form truthfully, you must submit relevant credit certificates together with the completed application form;

The application form is accompanied by a credit card use contract, and the applicant authorizes it The card-issuing bank or relevant departments will investigate the relevant information and submit a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have my signature;

The credit card application process is basically completed and waiting for the credit card to be issued.

Why were I given two credit cards when I applied for them? The reason is this

When we apply for a credit card, we usually apply for one credit card and receive one, but we also encounter situations where we only apply for one credit card, but the bank gives us two. Many people don’t know what’s going on, and some even think that the bank gave them the wrong credit card. Let’s find out more.

Why were I given two credit cards when I applied for them?

In this case, you are applying for a set of cards. Although you are given two credit cards, the card organizations are different. It is usually a UnionPay credit card paired with a VISA card or MasterCard. The bank does this to make it easier for everyone to use the card. Since the cancellation of multi-currency credit cards, many people have to apply for a VISA card/MasterCard separately if they have overseas needs.

If you apply for a set of cards, you don’t have to be so troublesome. Once you apply, you can get cards from two different organizations. Use UnionPay cards for domestic purchases and UnionPay cards for overseas purchases. And cards from different organizations. Benefits and discounts are different.

However, although the bank has given two cards, it does not require everyone to activate them. It mainly depends on their own needs. If you have overseas needs, you can activate both cards. If you only frequently swipe cards domestically, The card can be temporarily inactivated.

Some friends are also worried that if both cards are activated, annual fees will be incurred if the cards are not used frequently. In fact, although many card sets have different card organizations, they generally only charge annual fees for UnionPay cards, and all cards are free of annual fees during their validity period.

Of course, if you feel that the card is really useless and you are afraid of the risk of fraud, you can cancel the card. There are two ways to cancel it. You can directly call the issuing bank to cancel it, or you can go to the bank yourself. Cancellation at the branch counter is generally calculated from the date of cancellation. If there is no balance or arrears, the cancellation will be successful on the 46th day.

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