At present, there are one type of bank card, two types of bank cards and three types of bank cards, among which one type of bank card is a universal account, another type of bank card has a payment limit, and the third type of bank card belongs to a change account. Except for Class I accounts, there are limited bank cards corresponding to Class II accounts and Class III accounts. The daily limit of general second-class cards is 1 10,000 yuan, and the annual limit is 200,000 yuan. After the second card limit, it is recommended to use the first card or the third card for payment.
A bank card is actually a settlement account. Its functions are comprehensive, and its application scope, usage quota and account balance are not limited. The second-class bank card, as its name implies, is the second-class settlement account, which is generally a convenient financial account. Through the second-class bank card, investment, transfer and consumption can be made. However, the second-class bank card is limited. If the second-class bank card transfers money to an unbound account, the daily transfer limit is 6,543,800 yuan, and the annual transfer limit is 200,000 yuan.
There are differences between the first-class card and the second-class card in terms of opening channels, quantity restrictions, functional scope and usage quota.
Opening channel: the opening of Class I bank cards must be verified in person at the bank counter; There are many channels to open second-class bank cards. Cardholders can choose to go to the bank counter in person or inquire about the opening through electronic channels such as mobile banking. You can choose according to your actual situation.
Number of accounts opened:
According to the relevant regulations, a person can only open a type of bank card account in one bank with his ID card; However, you can open more than one second-class bank card. At present, you can generally open up to four second-class cards.
Function scope: A type of card has the most functions, and a type of card can be said to be a full-function account, and there is no scope limit when handling business; Compared with the first-class card, the second-class bank card is a restricted function account with limited business scope. For example, the second-class bank card does not support large-sum transfer, bank-securities transfer and cross-border remittance.
Limit: the limit of the first-class card and the second-class card is also different. A class of bank cards does not limit the amount when handling transfer, consumer payment and other services; Different from the first-class card, the second-class bank card has a limit when handling business such as transfer and consumer payment. Of course, there are three types of cards besides Class I and Class II cards. Class III cards are electronic accounts launched by banks. Without a physical card, it can be opened at the counter or through online channels, and the amount of Class III cards will be limited.
In addition, you can call the bank's customer service phone for consultation; If you have time, you can choose to check at the bank counter, but you need to bring your ID card and bank card. The third inquiry method is mobile banking inquiry. Just open "Mobile Banking" (version 7.0) in iPhone 13 mobile phone iOS 15.0, and download the mobile banking app for login query. The fourth method is to log in to your personal account through online banking and directly query your personal bank card.