The second-class card of Kunlun Bank refers to debit card or prepaid card, which is also commonly known as savings card or passbook. Compared with the first-class card (credit card), the second-class card has the following restrictions when used:

1. Overdraft limit: Class II cards can only be paid with the deposited funds, and cannot be overdrawn. That is, when the account balance is insufficient, consumption cannot continue.

2. Consumption limit: The consumption amount of Class II cards may be limited. The specific limit depends on the bank policy and the customer's identity level.

3. Withdrawal limit: The withdrawal amount of customers with Class II cards on ATM machines may also be limited. The specific withdrawal limit can be known by the bank staff when they apply for the card.

4. Function limitation: Compared with credit cards, the second-class cards have relatively few functions. For example, the second-class cards of different banks may not be able to shop online and enjoy some credit card preferential activities.