How to change a Class II card to a Class I card

Will be a class II card. Change to a Class 1 card.

The steps are as follows:

1. Cardholders need to bring their ID cards.

Originals, photocopies and bank cards, go to the bank counter for business.

2. The cardholder needs to explain to the bank staff that he wants to handle the upgrade business of the second-class card, and the staff will assist in the upgrade business.

3. Since each cardholder can only have one Class 1 card in the same bank, if you want to upgrade the Type 2 card to the Type 1 card, you need to cancel the original Type 1 card. When you handle the upgrade business, you will be told that the original type of card needs to be cancelled.

Extended Information] The difference between Class II cards and Class I cards:

First, the scope of use is different. The first type of card can be used for large-amount deposits and withdrawals, transfers, consumption payments, and wealth management products.

There are no usage restrictions. The second type of card can be used to buy wealth management products, deposits, consumption and payment of limited amounts.

2. The form of the account is different. A type of card account has a savings card.

and current passbooks.

There are two forms, the second type of card is in the form of a savings card and an electronic account.

3. The usage limit is different. There is no usage limit for one type of account. There is a limit for the second type of account, if it is a savings card account, the daily cumulative limit is 10,000, and the annual cumulative limit is 200,000. If it is an electronic account, the cumulative limit for a single transaction and a single day is 10,000.

Fourth, the second type of account funds are 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 in direct banks and Internet banks such as WeBank.

The second-class accounts can handle deposits, purchase bank investment and wealth management products, and pay bills for consumption.

5. Category II accounts can handle deposits, purchase of financial products such as investment and wealth management products, consumption and payment of quotas, and transfer of funds to unbound accounts with quotas. 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.

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

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 has been 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.

To change your Type 2 card to a Type 1 card, you need to cancel your Type 2 card and then go to the bank to get a new Type 1 card. The specific steps are as follows:

Bring a valid ID card to the bank counter to go through the procedures for cancellation of the second-class card.

Fill out the Type 1 card application form and provide a valid ID and other required documents.

Once approved by the bank, you will be issued a Class 1 card.

Please note that the specific operation process may vary from bank to bank, so it is recommended that you check with the bank staff before proceeding.

If you're looking to upgrade from a Class 2 card to a Class 1 card, here are some steps you can take:

1.Bring your ID card and bank card to the local business outlets and use the smart teller machine to handle it.

2.Go directly to the bank counter and handle it at the personal business counter.

3.If you already have a Class I card, but don't often use it with your grandson, you can choose to cancel the original Kaixin Class I card, and then open a new Class II card to upgrade to a Class 1 card.

It is not troublesome to change the second type of card to the first type of card, and the user can directly bring his personal bank card and ID card to the bank counter for processing, and the bank will not charge any fees when changing. Moreover, after changing the second-class card to the first-class card, it will have higher permissions, such as using the first-class card without limit on the amount of transfer, and you can also open various services.

Supplementary information: 1. There will be a limit on the amount of the second-class card when it is used, and the daily limit of the second-class card is 10,000 yuan and the annual limit is 200,000 yuan. In addition to the first and second types of cards, users can also apply for three types of cards at the bank, but the third type of cards do not have physical cards, and there will be stricter supervision in their use.

2. Class 1, 2 and 3 cards are all debit cards, and a person can apply for up to 4 cards in one bank (including Class 1, 2 and 3). There is no credit limit for debit cards, and potato rock cardholders deposit first and use them later. In addition to applying for a debit card, users can apply for a credit card at the bank, which has a certain line of credit and can be used to spend first and repay later.

Extended information: The differences between Class I and Class II cards are mainly reflected in the following aspects:

1. The first type of card belongs to the settlement account; Type 2 cards are non-settlement accounts.

2. There is no payment limit for the first type of card; The payment limit for Class II cards is 10,000 yuan per day and 200,000 yuan per year.

3. A type of card has a physical card; There is no physical card for Class II cards.

4. The first-class card can provide full-featured services; The second type of card mainly provides payment and financial services.

5. A type of card can be used to deposit and withdraw cash, transfer, pay, pay fees, etc.; Type II cards are mainly used for deposits and the purchase of financial products.

2. The process of upgrading a Class II card to a Class 1 card is as follows:

1. Users need to bring their ID cards and bank cards to local business outlets, and use smart teller machines in the bank to handle the first and second types of account types to change and destroy business.

2. Users can go directly to the bank counter and handle it at the personal business handling window.

3. Note: A bank can only have one type of card, if there is already a type of card in the bank, there is no way to upgrade the second type to a class, and there are restrictions on the amount of the second type card and the third type of card.

Additional information: There is also a direct way to cancel a type of card. If you already have a Class I card in the bank, but you don't use it often, you can cancel the original Class 1 card directly.

After cancellation, upgrade the Type 2 card to the Class 1 card. In this way, the original Class II card is changed to a Class I card.

The first method is to downgrade a type of card.

We can only have one type of card in the same bank, and there is a limit on the amount of money in and out of the second and third types of cards, so most people will set the commonly used cards as a type of card. But if the card that is not used frequently is defaulted to a class of cards, we need to downgrade the class card first. Before doing the downgrade, we need to check with the bank whether this type of card can be downgraded.

In some areas, downgrading is not possible, so you need to check with the bank before handling it. After checking that the first-class card can be downgraded, it is best to take out the balance on the first-class card, because the daily accumulation limit of the second-class card is 10,000 yuan. If it exceeds 10,000 yuan, it will take two or three days to withdraw the money, which is a little troublesome.

After making the previous preparations, we took our ID card, the original first-class card, to the bank to apply for downgrading to a second-class card. After the original Class 1 card is downgraded to a Class 2 card, we will upgrade the original Class 2 card to a Class 1 card. In this way, the original Class II card is changed to a Class I card.

The second method: direct upgrade.

If we don't have a Class I card in the bank, we can directly upgrade the Class II card to a Class I card;

The third method: cancel a class of cards. If we already have a first-class card in the bank, but we don't use it often, then we can cancel the original first-class card directly.

After cancellation, upgrade the Type 2 card to the Class 1 card. In this way, the original Class II card is changed to a Class I card.

Extended Information] Type 1 Account: refers to an account opened over the counter of a traditional bank that meets all the strict requirements of the real-name system. Simply put, it's a debit card or debit card that you have in your hand.

Its functions include deposits, purchase of wealth management products, cash withdrawals, transfers, consumption, and bill payments.

Type 2 account: Class accounts cannot deposit or withdraw cash or transfer money to unbound accounts, and the daily payment limit for such accounts is 10,000 yuan. This is the case, for example, with credit cards.

Type 1 account: refers to an account opened over the counter of a traditional bank that meets all the strict requirements of the real-name system. Simply put, it's a debit card or debit card that you have in your hand.

Its functions include deposits, purchase of wealth management products, cash withdrawals, transfers, consumption, and bill payments. Type 2 account: Class accounts cannot deposit or withdraw cash or transfer money to unbound accounts, and the daily payment limit for such accounts is 10,000 yuan.

This is the case, for example, with credit cards.

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. The three types of cards are more restrictive and can only make some small purchases.