Does Bank of China have to cancel the first card when applying for the second debit?

According to the Notice of the People's Bank of China on Strengthening Payment and Settlement Management to Prevent New Types of Violations and Crimes in Telecommunications Networks (Yin Fa [2016] No. 261), starting from December 1, 2016, if a banking financial institution opens a bank settlement account for an individual, the same person can only open one type I account in the same bank.

The above content is for your reference, and the actual business regulations shall prevail.

Handle related business.

The bank card application process is as follows:

1. Bring your ID card and a copy to the relevant bank outlets, 2. Go to the bank to get the application form, fill it out and hand it over to the salesman together with the copy, 3. Wait a little, if you only need to enter a password for the card, there is another time you need to use online banking, which is the login password of online banking, 4. Then there will be a receipt, sign it, you need to pay 10 yuan, and the annual fee is 10 yuan.

5. If you need online banking, it is recommended to use an electronic password card, which is simple and convenient to use, and does not require additional money. If the amount of liquidity is relatively large, it is recommended to use the U shield, and ask the staff to help with the ** digital certificate, which is very troublesome if you are not proficient. Before using online banking, please ** relevant drivers and controls and anti-phishing software, 6. If you want to deposit money, you can bring the card to the counter to deposit directly, no password is required.

You can also deposit money at ATMs that have a deposit function.

Bank of China debit card cancellation must be handled at the network institution of the core banking system with the card and valid identity document, and the card cancellation business is not allowed.

According to the "Measures for the Administration of Bank Card Business":

Article 52.

Obligations of the issuing bank:

1) The card-issuing bank shall provide the bank card applicant with information on the instructions for the use of the bank card, including the articles of association, instructions for use and charging standards. Existing cardholders may also obtain the above information.

2) The card-issuing bank shall establish a fair and effective complaint system for bank card services, and make public the complaint procedures and complaints**. The card-issuing bank shall reply to the cardholder's request for inquiry and correction of the account situation within 30 days.

3) The card-issuing bank shall provide reconciliation services to the cardholder. Statements of account are provided to cardholders on a monthly basis, and the issuing bank may not provide statements of account to cardholders under the following circumstances:

1. The cardholder has been provided with a passbook or other transaction records;

2. Since the last monthly statement, no transactions have been made and there is no outstanding balance in the account;

3. It has been separately agreed with the cardholder.

1. Transaction amount and account balance (the credit card should also list the due repayment date, minimum repayment amount, and available credit limit);

2. The date on which the transaction amount is credited to or deducted from the relevant account;

3. Date and type of transaction;

4. Transaction record number;

5. The name or code of the merchant as the payment object (except for off-site transactions);

6. Inquire or report the address or ** number that does not match the account.

5) The card-issuing bank shall provide the cardholder with the bank card loss reporting service, and shall set up a 24-hour loss reporting service**, providing two methods of loss reporting** and writing, and the written loss report shall be the formal loss reporting method. The liability for loss reporting between the card-issuing bank and the cardholder should be clearly defined in the articles of association or relevant agreements.

6) The card-issuing bank shall explain to the cardholder the importance of the password and the responsibility for loss in the articles of association or instructions for the use of the card.

7) The card-issuing bank shall be responsible for maintaining the confidentiality of the cardholder's credit information.

According to the latest regulations issued by the China Banking Regulatory Commission, since January 1, 2016, the same customer shall not open more than 4 debit cards in the same institutional bank in principle (excluding social security cards).

Bank of China bank card opening steps.

1. Bring your original ID card to any Bank of China outlet, 2. Fill in the debit card signing application**, 3. Prepare the production cost, card opening fee, copy of ID card, original, application materials4, submit it to the staff for processing, set up the bank card payment password, 5. Complete the opening of the Bank of China card.

OK.

Debit card conditions:

Under the age of 16, the guardian should accompany the applicant with his ID card and household registration booklet;

Applicants must be 16 years old and above, and you can go with your ID card.

The process of applying for a bank card:

1.Bring your ID card and a small amount of cash to a bank branch;

2.Fill in ** with the assistance of the bank lobby staff;

3.Take the number and queue up, and at the same time copy the ID card with the assistance of the staff;

4.Call the number at the counter, go to the counter, hand over the filled ** and ID card to the bank teller, you will need to sign and enter the password when you apply for the card, the password is a six-digit number, and you must remember it after setting, this is the future withdrawal password;

5.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;

6.After completing the card, you can leave with your belongings.

I don't want this card anymore, I can get a new card.

User account opening process:

1.I brought my ID card and a copy of my ID card and told the staff to open an account and apply for a bank card.

2.The staff will issue a "Personal Settlement Account Management Agreement" to read and sign with your name.

3.Fill in another one"Application form for personal card issuance"and hand it over to the bank staff.

4.Then enter the password on the device (the password is to be memorized).

5.After the password is confirmed three times, the staff will issue the bank card.

Generally, there is no handling fee for card issuance, but some banks require the production cost of the card and the production cost of the passbook.

Can I cancel my bank card and get another one?

According to the regulations, the same person can only open one type account in the same bank, if you cancel the debit card of the Type I account opened in the name of BOC, BOC will be able to open a new Type I account (debit card) for you.

The above content is for your reference, and the actual business regulations shall prevail.

Consultation and handling of related business.

If you cancel it, you can apply for it again, and it is a type of card.

Starting from 1 December, the same person can only open one type of account in the same bank, and if he has already opened a class account and then opens a new account, he or she shall open a class account or a class account, and only one type of account can be opened in the same payment institution.

The class account is a full-featured account, which can handle deposits, transfers, consumption payments, purchase investment and wealth management products, 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.

Accounts can make deposits, purchase bank investment and wealth management products, and pay bills for consumption. However, the biggest difference with Class II accounts is that Type II cannot deposit or withdraw cash or transfer funds to unbound accounts. Although it is not possible to transfer money externally, Type II accounts can still be consumed on the payment platform, but the daily payment limit is 10,000 yuan.

The class account is equivalent to a "coin purse", which is used for transactions with a small amount and high frequency, such as mobile payment, *** payment, etc. The account balance cannot exceed 1,000 yuan.

It should be noted that the class account has limited functions, only but no physical card, and can only be used in conjunction with the class account.

The above content is for your reference, and the actual business regulations shall prevail.

Cancellation process:

1. I take my ID card and bank card to the bank to get the appointment number, queue up 2, explain to the service staff that you want to cancel the account, give the bank card to the bank staff, and fill in the application form for account cancellation.

3. The bank card account has been cancelled.

Supplement: 1. If there is still money in the bank card, you can take out all the money at the counter when you cancel the account 2. If the bank card is lost, you also need to reapply for a bank card first, and then cancel the account, and the card fee is required to replace the card.

3. For the savings card, if the card is not used for a long time, it will generally be automatically frozen and will not affect the personal credit record. If it is a credit card, it will not be automatically frozen if it is not used for a long time, and it may be overdue due to annual fees.

4. The balance on the card must be withdrawn and the balance on the card must be withdrawn to ensure that there is no arrears on the card;

5. After the savings card is successfully closed, it will not affect the future application. After the credit card account is successfully closed, if the personal credit is affected due to the previous use of the card, it will cause some trouble to apply for a credit card in the future.

Bank of China's debit card will not be automatically cancelled, the annual fee of 10 yuan will be deducted every year, if the account has no balance, then it will be deducted into a negative number, you do not need to go back to the opening bank to handle it, as long as you can cancel the card at any Bank of China branch where the opening bank is located. This shouldn't be wrong, I'm from the Bank of China.

I once asked, yes, but the bank replied that as long as you don't deposit money into it, your account will be automatically closed after a while.

In order to ensure safety, I recommend that you make a ** consultation yourself.

Do I have to go to the bank to cancel the bank card?