After the cancellation of the first type of card, will the second type of card become a class 1 card

Hello! Cancelling a bank card is not the same thing as canceling an account.

Most banks have cancelled their first-class bank cards, and second-class cards will not automatically become first-class cards, which need to be manually upgraded.

How to change the account type: The account holder can upgrade the account by going to the counter or smart teller machine of any CCB branch in China with his/her valid identity certificate.

At the time of upgrade, customers are not allowed to hold CCB Type I accounts.

The type of account is generally a debit card, which has all the functions of cash deposit and withdrawal, wealth management, transfer, bill payment, etc., and there is no limit on consumption and transfer payment.

Class accounts can deposit but not withdraw, and can only be transferred to class accounts.

A type of card can be cancelled. The first type of card is only a bank card with no restrictions on relevant permissions, and users do not need to use it to handle the cancellation business normally. Moreover, after the cancellation is successful, the user will apply for a new card, as long as there is no bank card under the bank account, the new card will be a type of card by default.

Therefore, if the bank card mainly meets the conditions for cancellation, then you can apply for cancellation.

The first-class bank card account is cancelled, that is, you no longer have a first-class bank card, then your second-class bank card can apply to become a first-class bank card.

If a user wants to cancel a type of card, as long as there is no arrears, overdue repayment and other problems in the cancelled card, there will be no adverse consequences. Therefore, if the user needs to cancel the card business, he must pay attention to whether there is any arrears, and also pay attention to whether the card will leave a bad repayment record due to the problem of annual fee payment, which will have a series of impacts. The cancellation of the first class of cards will not affect the second type of cards to a large extent, and the number of first-class cards of each bank is limited, and the first-class cards can be re-applied after the cancellation of the first-class cards.

1. The cancellation method of the first type of card is as follows, taking ICBC as an example

1) Online banking: The cardholder logs in to the online banking, selects the function of "All - Bank Card Account - Account Service - Cancellation of Small Account Account", and cancels the Lingtong Card and e-Times Card with a balance of less than or equal to 300 yuan;

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2) Business outlets: Cardholders can bring their savings cards and ID cards to any business outlets across the country to cancel their cards, and cannot apply for them on their behalf.

2. The cancellation of the first-class card can be handled again, as long as there is no first-class account in the bank under the user name, another type of account can be opened. According to the Circular of the People's Bank of China, the same person can only open one Class I account in the same bank, and if a Class I account is opened and then a new account is opened, a Class II or Class III account shall be opened, and only one Class III account can be opened in the same payment institution. According to Article 28 of the Measures for the Administration of Bank Card Business:

When an individual applies for a bank card (except for a stored-value card), he or she shall provide the card-issuing bank with his/her valid identity documents as prescribed by the public security department, and open a registered account for the card-issuing bank after passing the examination. Any unit that opens a basic deposit account with a financial institution within the territory of China shall apply for a unit card with the account opening permit issued by the People's Bank of China. The bank card and its account can only be used by the cardholder approved by the issuing bank, and cannot be rented or lent.

3. The process of applying for a bank card again after canceling the bank card is as follows:

1) Bring your ID card to the bank's business outlets and fill in ** with the assistance of the bank staff;

2) Take the number and queue up, and at the same time make a copy of the ID card with the assistance of the staff;

3) Call the number at the counter, and then hand over the completed ** and ID card to the bank teller;

4) After all the transactions are completed, you will get a bank card, and if you handle online banking business at the same time, you will get a U shield at the same time.

Cancel a Class I card.

There are no undesirable consequences. However, if you apply immediately, the immediate cancellation within a short period of time will affect the bank's assessment of your creditworthiness. The cancellation of Class I cards will not affect Class II cards to a large extent.

There is a certain limit on the number of types of cards in each bank, and you can re-apply for a new type of card after canceling the type of card.

However, not canceling may increase the cost of card use for cardholders. From the opening of a bank card, the following fixed fees will be generated: the cost of production is 5 yuan (some chip cards.

10 yuan), annual fee of 10 yuan, small account management fee.

At least $3 per quarter, for a total of at least $27. Excluding the cost of the work, it will be at least 22 yuan per year from the second year. If you open the SMS service, it will be at least 2 yuan per month and 24 yuan for the whole year, and the total cost of the three items will be at least 46 yuan.

Extended Information:1Class and class bank accounts can be opened over the counter or through electronic channels, non-face-to-face, but they must be bound to their own type I bank account or credit card account for identity verification.

2.Accounts can make deposits, purchase investment and wealth management products and other financial products.

Limit consumption and payment, and transfer funds to unbound accounts with limits. If the identity is confirmed face-to-face by the bank's return staff, the class account can also handle cash deposits and withdrawals, transfer of funds from unbound accounts, and issue physical bank cards.

Among them, the total daily cumulative limit of funds transferred and cash deposited into the unbound account of such accounts is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan; The total daily cumulative limit of 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.

3.Class accounts have the least authority, and can only handle quota consumption and payment, and transfer funds from quota to unbound accounts. If the identity is confirmed face-to-face by the bank staff at the bank counter or self-service equipment, the account can also handle the transfer of funds from the unbound account.

Among them, the balance of the account of the class account shall not exceed 1,000 yuan; The daily cumulative limit of funds transferred into the unbound account is 5,000 yuan, and the annual cumulative limit is 100,000 yuan; The total daily cumulative limit of consumption, payment and transfer of funds to unbound accounts is 5,000 yuan, and the total annual cumulative limit is 100,000 yuan.

Take the Agricultural Bank of China as an example: a type of card.

After cancellation, it is still a type of card.

As long as there is no first-class card under the user name, you can apply for a first-class card, and if there is a first-class card, the first-class card will be downgraded to a second-class card.

Or after cancellation, you can still apply for another type of card. If a first-class card is opened and transferred, and another type of card can be issued after cancellation, another type of account can be opened if there is no first-class account in the bank.

Extended information] The difference between a first-class bank card and a second-class bank card is mainly as follows:

1. The first type of bank card, that is, the first type of settlement account, is a full-featured account, and there is no restriction on the scope of use, the amount of use, and the account balance.

Second, the second type of bank card, that is, the second type of settlement account, convenient wealth management account, can be used for investment, transfer, consumption, payment, but there is a limit of "10,000 yuan per day, 200,000 yuan per year".

3. There are three types of settlement accounts, that is, "coin purse" accounts, which can only be used for small consumption and payment in daily life, not only with restrictions on the use of the amount, but also with an upper limit of "up to 2000" for the account balance.

Since the 70s of the 20th century, due to the rapid development of science and technology, especially electronic computers.

The use of bank cards (bank card

The range of use is constantly expanding. Not only did it reduce the circulation of cash and checks, but it also made a fundamental change in banking operations due to the fact that it broke through the limitations of time and space. The application of the automatic bank card settlement system will make the arrival of a "check-free, cashless society" a reality in the near future.

Yang Zaiping, full-time vice president of the China Banking Association, said that by the end of the first quarter of 2010, the number of cards issued in China reached 100 million, a year-on-year increase.

The utilization rate of bank cards has gradually increased, and card consumption accounts for 30% of social consumption. By the end of 2011, the cumulative number of bank cards issued exceeded 100 million, a year-on-year increase of 18%.

The consumption of credit cards exceeded 16 trillion yuan, a year-on-year increase of more than 50%, accounting for the total retail sales of consumer goods.

is expected to exceed 40 percent, an increase of about 6 percentage points from 2010.

In the whole year, the inter-bank transactions of bank cards reached one trillion yuan and 100 million yuan, accounting for 52% of the national inter-bank bank transactions, respectively, and the contribution of the transaction amount increased by one percentage point compared with the beginning of the year.

China UnionPay. Funong cards have been issued by 28 institutions in 28 provinces across the country, with more than 5 million cards issued throughout the year, becoming a service"Three rural.

new platform.

After the cancellation of the first type of card, the second type of card will not become a class 1 card. The second type of card can be upgraded to a class of cards, as long as you bring your ID card and bank card, you can go to the bank to handle the business of upgrading the second class card to the first class card, but a customer can only have a class of cards in a bank, if you want to upgrade the second class card to a class of cards, you need to cancel the original class of cards.

The functions of the first type of card include cash deposit, purchase and financial management, transfer, consumption payment, etc., and the transaction limit of the second type of card is 10,000 yuan per day, and the annual limit is 200,000 yuan.

The card handled before the new regulations appeared was a type of card, and there was no restriction on the transfer and consumption of a type of card. The second type of card belongs to the sub-account of the first type of card, which has strict control over the transaction, and the daily upper limit of transfer is 10,000 yuan. The annual limit is 200,000 yuan.

The main purpose of the bank to launch this type of second-class card is to crack down on telecom fraud, that is, to allow customers to consume in daily life, especially when binding third-party financial software, use these small accounts, the limit of 10,000 yuan is enough to meet the daily consumption needs of digital and empty goods, once encountered telecom fraud, or encounter accidents such as viruses, due to the limit of the loss can also be controlled in a small range. It is important to note that the Type II card also has a form of virtual account, which cannot deposit or withdraw cash or transfer money to an unbonded account.

In addition, there are three types of cards, which are used for small consumption of cards, and limit the maximum balance in the card, which can be used to bind some third-party payment tools when used at ordinary times, and can only be used for small consumption and payment, and the maximum amount is generally not more than 1000 yuan. This kind of card is mainly to prevent people from stealing, and it can also reduce the loss caused by mobile phone payment errors.