The second-category bank card is a second-category account bank card of the bank. The total daily cumulative limit for transferring funds and depositing cash into the unbound account of the second-category card is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan. Yuan; the total daily cumulative limit for consumption and payment, transfer of funds to unbound accounts, and cash withdrawal is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan.

1. Definition: Bank card refers to a credit payment instrument issued to the society by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.

Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the bank card automatic settlement system has made the dream of a "checkless, cashless society" a reality. Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether they grant the cardholder a credit limit.

2. Classification: Debit cards are divided into transfer cards, special cards, and stored-value cards according to different functions.

Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money.

Specialized cards are debit cards used in specific areas and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). They have the functions of transferring funds, depositing and withdrawing cash.

A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

3. Other information: Starting from August 1, 2017, the annual bank card management fee will be cancelled, and some basic financial service charges of commercial banks will be suspended. On April 22, 2019, China UnionPay released the "China Bank Card Industry Development Report (2019)". On August 15, 2020, Baidu, Baixin Bank and China UnionPay launched China’s first digital bank card-Baidu Quick Pass Card?. On August 31, China UnionPay released the first digital bank card “UnionPay Unbounded Card”. On December 2, 2019, the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Dispute Cases" were adopted at the 1785th meeting of the Judicial Committee of the Supreme People's Court and will come into effect on May 25, 2021. It is clear that if the user's bank card is stolen and proves that he is not responsible, he can claim compensation from the bank.