Is there any restriction on how to upgrade the second-class bank card to the first-class bank card?

Bank card is one of the most important things in life. Many people have many bank cards. However, most people still lack understanding of bank cards. So, how to upgrade the second-class bank card to the first-class bank card?

How to upgrade the second-class bank card to the first-class bank card?

To upgrade a second-class bank card to a first-class card, you need to go to a bank outlet. Users can bring their ID cards and bank cards to the nearest outlets. At present, a bank can only have one first-class card. Only when there is no first-class card under the user name can a second-class card be upgraded to a first-class card.

The first type of card is unlimited, and the second type of card is limited. The capital goes in and out of 1 000 yuan every day, and it does not exceed 200,000 yuan a year. The second type of card is bound to securities account, fund account and futures account.

What are the restrictions on the second-class bank card?

Secondary bank card users cannot transfer money to unbound accounts, and the daily transfer amount is limited. According to the regulations of the issuing bank, the secondary card cannot deposit or withdraw cash, nor can it transfer money to an unbound account; At the same time, the account transfers 6,543,800 yuan per day and 200,000 yuan per year. Most importantly, the cardholder should understand that the secondary account can not directly access cash, but can handle the fund transfer between the bound cards.

Compared with the first-class card, the second-class card will have more restrictions. Now go to the same bank to apply for the first card, and the second card belongs to the second card. Therefore, in order to better enjoy the benefits brought by bank cards, users should try not to leave one more card in a bank. In most cases, if users want to apply for a class of cards, they can only downgrade or cancel a class of cards.

How many second-class bank cards can a person handle?

Generally speaking, a person can open five secondary accounts in the same bank. At the same time, according to the Notice of China Banking Regulatory Commission (China Banking and Insurance Regulatory Commission Fa [20 15]No.), except social security cards, medical insurance cards, military security cards and cancelled debit cards, in principle, the same person should not open more than four debit cards in the same commercial bank. If it is justified to exceed the above-mentioned limit on the number of cards opened, it shall be handled as appropriate after verification by commercial banks.

In other words, I have at most five secondary accounts in the same bank, including physical and electronic accounts, but I have four physical secondary cards (up to three if I have a main card). In addition, some banks limit the number of secondary accounts in electronic banking channels (mobile banking, online banking, etc.). ).)。 For example, ICBC can only open a secondary electronic account through electronic banking channels. The specific number of accounts opened shall be subject to the actual regulations of the issuing bank.

The difference between bank card and bank card.

1, different operators: one bank card must have a physical card, and the second bank card can be without a bank card.

2. Different functions: a bank card can handle deposit, transfer, consumer payment, investment in wealth management products, cash withdrawal and other businesses; Class II bank cards have limited functions and cannot deposit or withdraw cash or transfer money to unbound accounts.

3. Limit: There is no limit on the payment and transfer of the first-class bank card, and the single-day payment limit of the second-class account is 6,543,800 yuan.

Tips: In fact, bank cards are mainly divided into three categories, of which the first category is the most perfect, the second category is mainly used for personal financial management, and the third category is mainly used for small consumption expenses.