The second type of card is the bank card responsible for daily financial management, investment and other consumption.
Type II households can make deposits, purchase financial products such as investment and wealth management products, restrict consumption and payment, and restrict transfer to unbound accounts. If the identity is confirmed by the bank staff on the spot,
Class II households can also handle cash deposit and withdrawal, unbinding account transfer, and issuing physical cards with bank cards. Among them, the daily cumulative limit of 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.
The bank's second-class card is very similar to a credit card, which is mainly responsible for daily financial management, investment and other consumption. The main body of the second type card is the electronic card. Although physical cards are also issued, they are of little use. The funds of the second-class card account come from the first-class bank account. Unlike the first-class card account, the second-class card cannot access cash or transfer money to an unbound account. At the same time, the daily transfer limit of the second-class card account is 6.5438+0 million yuan, and the annual transfer limit is 200,000 yuan.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.
The 20-year development of China's bank card industry can be roughly divided into four stages:
1985 to the early 1990s, is the initial stage.
From the early 1990s to the beginning of 1996, the bank card business was independently developed for branches in large and medium-sized cities. At this stage, the Gold Card Project started.
From 1997 to 200 1 at the end of the year, China bank cards gradually realized the general stage of networking.
Since 200 1, it has been a stage of in-depth development of bank card networking in China, and the number of bank cards issued by various banking institutions in China has increased rapidly.