Only debit cards can be divided into Type I, Type II and Type III. According to the regulations of the People's Bank of China, a person can only have one Class I card in a bank, and there is no limit on deposits, withdrawals and transfers. Categories 2 and 3 have restrictions. When it comes to credit cards, there is no one category, two categories, or three categories. The common name for credit unions is "rural credit cooperatives." Whether in urban or rural areas, it is its branch. There is no difference, so the cards are the same and function the same.

Bank cards are divided into first-class cards and second-class cards. The second-class cards refer to savings cards, that is, debit cards. Credit cards do not distinguish between first-class cards and second-class cards. The reason why debit cards are divided into first-class cards, second-class cards and third-class cards is because the purpose of the People's Bank of China is to maximize the security of mobile payments. It is also for the purpose of anti-money laundering. We didn’t have several cards before. If the bank card has too much money, it would be unsafe to bind it to Alipay and WeChat. Once the risk of online fraudulent transactions occurs, the losses will be huge.

Control the amount per transaction and the amount per year when cards are divided into two, two and three categories. When three types of cards control the balance, losses become limited. The sample isolates a large number of cards from the network to maximize payment security. Since a bank can only have one Type A card, anyone can lend or sell their Type A card to others. This will also help the country combat money laundering. The classification of credit cards such as ordinary cards, gold cards, platinum cards, and diamond cards are essentially different from savings cards.

Credit cards are divided in this way to give customers different levels of credit based on their status and assets. To be precise, the rich give more quotas and more additional rights, while those with less money give smaller quotas. This is the same as loans. The difference between Class I cards and Class II cards is that a user can only have one Class I card in one bank, while Class II cards have no such restriction. Therefore, the authority of type one cards is much higher than that of type two cards. For example, the deposits and withdrawals of Category 1 cards are higher than those of Category 2 cards. At the same time, some financial businesses can apply for Type I cards, but not Type II cards. In addition, if we have multiple bank cards in a bank, we can only identify one of them as a card.