What are the requirements for a type of card, and what are the requirements for a type of card

Class accounts generally refer to the debit cards that we commonly use now; You can deposit and withdraw cash, manage money, transfer, pay bills, pay fees, etc., and there is no limit on the amount of use.

It is similar to a credit card, which is mainly responsible for daily expenses, or financial management, investment, etc.; The funds of the class account are in the class of accounts, including accounts opened in direct banks and Internet banks such as WeBank, etc., and the class accounts can handle deposits, purchase bank investment and wealth management products, and pay consumption bills. However, the biggest difference with the class account is that the class cannot deposit or withdraw cash or transfer money to an unbound account. At the same time, there is a daily transfer limit of 10,000 yuan for the second-class bank card account and a limit of 200,000 yuan for annual transfers.

The account is a small-value online payment business, similar to WeChat wallet, which is suitable for high-frequency small-value mobile payment. Household accounts are mainly used for small payments such as online payment and offline mobile phone payment, and can handle consumption payment. The biggest difference with the class of households is that the class of households can only handle small consumption and payment, and are not allowed to handle other businesses.

If you have a bank card with your peers, you can downgrade the card to Class II and apply for a new Class I card.

In the case of a person with only one account in the bank, the amount of money withdrawn will be reduced if there are more than 10,000 yuan and there are many accounts.

The same bank requires one card, if you want to apply for 2, then the second one belongs to the 2 types of cards, and the 2 accumulated cards have a limit for depositing money.

The deposit and withdrawal limits of the second type card are lower, and there is no difference in other categories.

The requirements for applying for a first-class bank card are as follows: the applicant is over 16 years old (inclusive) and has a valid ID card or temporary ID card to apply for a first-class card; The applicant with a person under the age of 16 shall open an account by the guardian, and the guardian shall present his ID card and the applicant's household registration booklet, and also issue a guardianship certificate, such as a birth certificate, household registration booklet, etc.

Taking ICBC as an example, the conditions required to apply for a first-class card are as follows:

1. Residents over the age of 18 can apply for bank cards at local banks with valid identity documents;

2. Non-resident residents who have reached the age of 18 need to provide supporting documents, such as: work certificate, proof of social security payment, house purchase contract, rental contract, salary statement, etc.;

3. Users who are at least 16 years old and can provide proof of work can go directly to ICBC to apply for a card;

4. If you are over 16 years old but under 18 years old and cannot provide proof of work, you need the guardian to hold the original copy of the guardianship book at the counter.

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.

For users, it may be intuitive to distinguish account types by bank cards; But for banks, it is differentiated by accounts.

Therefore, the statement of Class I bank card and Class II bank card is not particularly accurate; The accurate name in the industry should be the first-class settlement account and the second-class settlement account.

Before 2016, the card or passbook opened by the user, even if it was opened in the same bank, belonged to the first type of settlement account, and they could use it as much as they wanted, as long as they had it in the card.

However, if you want to open a new bank card, it depends on whether the user already has an account with the bank. If there is already a first-level account, then the newly opened account can only be a second-class settlement account with restrictions on the scope and amount of use.

Legal basis

Measures for the Administration of Bank Card Business

Article 28 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 or her valid identity documents as prescribed by the public security department, and after passing the examination and approval of the card-issuing bank, open a registered account for him; 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 Lao Chun's account can only be used by the cardholder approved by the issuing bank, and cannot be rented or lent.

The difference between a bank Class I card and a Class II card:

1. The first type of card can deposit and withdraw cash, wealth management, transfer, payment, payment, etc., and is not limited by the quota when used; The second type of card is mainly responsible for daily expenses, financial management, investment, etc.

2. The second type of account funds are in the first type of account, that is to say, the function of the first type of card is relatively basic, and the function of the second type of card is derived, including accounts opened in direct banks and Internet banks such as WeBank, etc., and the second type of account can handle deposits, purchase bank investment and wealth management products, consumption payments, etc.

3. The first type of account is a full-function account, which is a well-known debit card, which can be used for deposits, transfers, consumption payments, purchase investment and wealth management products, cash withdrawals, etc., and the scope and amount of use are not limited. Individuals' salary income, large-value transfers, bank-securities transfers, as well as the payment and payment of medical insurance, social insurance, pension, provident fund and other businesses shall be handled through Category I accounts.

4. The second-class accounts can handle deposits, purchase of financial products such as investment and wealth management products, limit consumption and payment, and transfer funds to unbound accounts with limits. If the identity is confirmed face-to-face by the bank staff at the bank counter or self-service equipment, the second-class account can also handle the business of depositing and withdrawing cash and transferring funds from unbound accounts, and can be issued with a physical bank card.

5. The total daily cumulative limit of funds transferred and cash deposited into the unbound account of the second-class account 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.

6. The biggest difference is that the second type cannot deposit or withdraw cash or transfer money to an unbound account.

The first type of bank card is a personal card, and a personal bank account is a bank settlement account opened by a natural person with an ID card or corresponding documents for investment, consumption, settlement, etc.

Personal bank accounts are divided into class bank accounts, class bank accounts, and class bank accounts, and different types of personal bank accounts have different functions and permissions.

Personal bank card type 1 account is mainly for personal bank accounts opened, a type of card is a full-featured card, can handle deposits, transfers, purchase of investment and wealth management products and other businesses, there is no special limit on the scope of application and amount, personal salary income and other large transfers are best handled through a type of card, but each person in a bank can only handle a type of card.

The second-class card can also handle deposits, purchase investment and wealth management products and other businesses, but the daily transfer in and out of the second-class card shall not exceed 10,000 yuan, and the annual cumulative maximum shall not exceed 200,000 yuan, but the same second-class card of the same bank can handle multiple cards.

The limit for the use of the three types of bank cards is 5,000 yuan per day, and the annual cumulative amount cannot exceed 100,000 yuan. Moreover, the transfer of funds at the time of use is subject to stricter supervision. It should be noted that the balance of the three types of cards cannot exceed 1,000 yuan, and the three types of cards do not have a physical card at the time of application.

If the user is over the age of 16, he or she only needs to provide a valid ID card and go to the offline counter of Bank of China to apply for a Bank of China Class I card. If the user is under the age of 16, the user cannot apply for a Bank of China Class I card by himself. It is necessary to open an account by the guardian**, and it is also necessary to issue the guardian's valid ID card and the user's own ID card in handling the account opening business.

Extended information: Bank of China, approved by Dr. Sun Yat-sen, was officially established on February 5, 1912. The head office is located at No. 1, Fuxingmennei Street, Beijing, which is a large state-owned bank managed by the first and a national vice-ministerial-level unit.

As a state-owned financial institution under the leadership of the Communist Party of China, Bank of China is the note-issuing bank in Hong Kong and Macao, and its business scope covers commercial banking, investment banking, insurance, aviation leasing, etc.

Bank of China is the only bank in China that has been in continuous operation for more than 100 years, and it is also the most international and diversified bank in China. Institutions in Chinese mainland and 61 countries and regions, including BOC International, BOC Investment, BOC**, BOC Insurance, BOC Aviation, BOC Consumer Finance, BOC Financial Business, BOC Hong Kong and other holding financial institutions.

In 2017, Bank of China became the only "Double Olympic Bank" in China. In 2019, Bank of China was once again selected as a global systemically important bank, becoming the only financial institution among emerging market economies to be selected for nine consecutive years. In June 2021, The Banker announced the 2021 Top 1000 Global Banks, and Bank of China ranked fourth.

Bank of China is mainly engaged in commercial banking business, including corporate, personal finance, treasury business, international treasury business and financial institution business.

The financial business is the main profit of China's banking business, which is based on the bank's core credit products to provide customers with personalized and innovative financial services. In 2007, the company continued to focus on improving the customer service system, promoting the overall business linkage, strengthening product innovation and implementing management transformation, established the corporate finance sector, and strengthened line management.

A type of card refers to a type of debit card, which is a full-featured account that can handle transfers, consumption, bill payments, wealth management, deposits and other services. Debit cards are divided into a class of cards, a class of two cards and three types of cards, one of which is a full-featured account, generally the first debit card you do in the bank is a type of card, which can handle transfers, consumption, bill payments, financial management, deposits and other businesses. The second-class card has a limit on consumption, with a general daily limit of 10,000 and an annual limit of 200,000.

Class 1 card: A full-featured bank settlement account must be opened over the counter or through a bank self-service machine, after on-site face-to-face verification of the identity by the bank staff, and can handle all financial services such as deposits, purchase of financial products such as wealth management products, cash withdrawal, transfer, consumption and bill payment, etc., without limit.

The so-called Class 1 card is a card that has no restrictions on transfer transactions and consumption, and can be used at will.

To put it bluntly, as long as you have money, you can save as much as you want into the card, withdraw as much as you want, and spend your own money, no one cares.

Now in China, citizens with ID cards, who are over 16 years old, can open up to two bank debit cards in any bank with the national UnionPay logo. The card opened first is specified as a Class I account, with many functions and complete, and more money can be used for posting, and even 1 million yuan can be imported or exported every day. If a second debit card is opened in the same bank for convenience, and the state stipulates that the account of this card is a similar account, then this second card can only enter or exit a maximum of 10,000 yuan per day.

The first card you open in various banks is a first-class card, and the transfer amount in it is limited to 1 million yuan a day, and you can apply for a second or third card, which is a second-class card, with a maximum limit of 10,000 yuan per day.

1. Residents over the age of 18 can apply for a bank card at a local bank with a valid identity document;

2. Non-resident residents who have reached the age of 18 need to provide supporting documents, such as work certificates, proof of social security payment, house purchase contract, rental contract, salary statement, etc.;

3. Users who are at least 16 years old and can provide proof of work can go directly to ICBC to apply for a card;

4. If you are over 16 years old but under 18 years old, and cannot provide supporting documents for proof of work, you need your guardian to hold the original household registration book of the guardianship relationship at the counter.

Legal basisArticle 35 of the People's Bank of China Law.

The People's Bank of China has the right to require banking financial institutions to submit necessary balance sheets, income statements, and other financial accounting and statistical statements and materials as needed in the performance of their duties. The People's Bank of China shall establish a supervision and management information sharing mechanism with the banking regulatory authority and other financial regulatory institutions.

What are the requirements for a credit card loan?

1. Generally, the bank will stipulate that you must work in the current unit for 3 months;

2. The individual has no bad credit record, and the monthly salary income conditions meet a certain standard before applying;

3. If you have used a credit card, you can go directly to the bank counter to do it, but the limit will not be very high;

4. The borrower has good debts and the ability to repay;

5. Have a certain income and stable income, forming a stable bank flow.

The first class of bank card refers to the bank card with the highest authority, and each bank can only apply for one type of card, that is, to open a class of account, and then apply for a bank card in the bank, all of which belong to the second class of cards or the third type of card.

At the same time, a bank card can reduce the annual fee and small account management fee, for the average user, a bank card is enough.

Extended Information: What is a Type 1 Account?

The central bank stipulates that a customer is only allowed to open one type of account in each bank, and there is no transfer and transaction restriction for one type of account, and the bank card of one type of account can be used for deposits, purchase of wealth management products, transfers, consumption, cash withdrawals, etc. The second-class account must be limited to 10,000 yuan for single-day payment, and the third-class account can only handle small consumption or payment, and is not allowed to handle other businesses.

In general, the first type of bank card account is a full-featured bank settlement account, while the second type of account and the third type of account will be limited in terms of functional deficiencies, and some daily financial business transactions need to use a type of account. If a bank has only one account by default, then the account will be defaulted to a Class 1 account. It is important to note that a social security card account is not considered a closed account.

What is the difference between a Class 1 card and a Class 2 card?

There is no restriction on the scope and amount of use of the first type of card, which can be used for large deposits, withdrawals, transfers, consumption payments, purchase of investment and wealth management products, binding third-party accounts, etc.

The second-class bank card can only make small deposits, withdrawals, transfers, consumption payments, etc., and the binding of some third-party accounts will be restricted, and the cumulative limit of the second-class card is 10,000 yuan in a single day, and the cumulative limit is 200,000 yuan in a year.

At present, banks can only open one Class I card and three Class II cards (no more than four accounts in total), and Class I cards and Class II cards are interchangeable.

Can I apply for a second-class card to be converted to a first-class card?

There is no restriction on the scope and amount of use of the first type of card, which can be used for large deposits, withdrawals, transfers, consumption payments, purchase of investment and wealth management products, binding third-party accounts, etc. The second-class bank card can only make small deposits, withdrawals, transfers, consumption payments, etc., and the binding of some third-party accounts will be restricted, and the cumulative limit of the second-class card is 10,000 yuan in a single day and 200,000 yuan in a year.

At present, banks can only open one Class I card and three Class II cards (no more than four accounts in total), and Class I cards and Class II cards are interchangeable.

Bank card refers to a credit payment instrument with all or part of the functions of consumer credit, transfer and settlement, cash deposit and withdrawal, etc., which is approved by commercial banks (including postal financial institutions) to be issued to the public. Bank cards have reduced the circulation of cash and cheques, making banking fundamentally different from the limitations of time and space. The use of the automatic bank card settlement system makes this"No checks, no cash"The dream became a reality.