Debit card: Debit cards are divided into two types, namely: 1. Savings cards are issued by banks for general customers. The bank card we often talk about is this kind of card, which is mainly used for deposits. 2. The wealth management card is issued by the bank for high-end customers and can directly handle the related business of bank wealth management.
Credit card: There are two kinds of credit cards, namely: 1. Credit card, that is, we often say credit card in a narrow sense. With it, you can spend it first and then pay it back, but there is no interest on the deposit. 2. Quasi-credit card, which has some functions of credit card and debit card, can make small overdraft consumption with deposit interest, but its consumption amount is not as high as that of credit card, and the arrears must be paid off in one lump sum. Few people use this card.
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The difference between the first-class card and the second-class card of the bank
1.I card can access cash, finance, transfer, payment, payment, etc. , and is not limited by the amount; The second card is mainly responsible for daily expenses, financial management and investment.
2. The funds of the second-class households come from the first-class households, which means that the functions of the first-class cards are relatively basic, while the functions of the second-class cards are derived, including accounts opened in Internet banks such as direct selling banks and Weizhong banks. Second-class households can make deposits, buy bank investment and wealth management products and pay for consumption.
3. The first type of account is a full-featured account, which is also known as a debit card. Can handle deposits, transfers, consumer payments, purchase investment and wealth management products, cash withdrawals, etc. And the use range and dosage are not limited. Personal wage income, large transfer, bank-securities transfer, and payment and payment of medical insurance, social insurance, pension, provident fund and other businesses must be handled through Class I households.
4. Second-class households can make deposits, purchase financial products such as investment and wealth management products, restrict consumption and payment, and restrict transfer to unbound accounts. Second-class households can also handle cash deposit and withdrawal, unbound account fund transfer, bank card issuance and other businesses if their identities are confirmed by bank staff face to face through bank counters and self-service equipment.
5. The daily cumulative limit for transferring cash to unbound accounts by Class II households is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan; The daily cumulative total limit of consumption payment, transfer to unbound account and cash withdrawal is 6,543,800 yuan, and the annual cumulative total limit is 200,000 yuan.
6. The biggest difference is that the second category cannot access cash or transfer money to an unbound account.
This is all because 20 16 countries have stepped up their efforts to crack down on telecom fraud. The reason why these two or three types of micropayment accounts are launched is to let customers use these micropayment accounts in their daily consumption, especially when they are bound to electronic express payment. The quota of 10000 yuan is enough to meet the daily consumption demand. In case of telecom fraud or mobile phone virus, the loss can be controlled in a small range due to the limit of the quota.