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

The differences are: different restrictions, different functions, and different handling conditions.

1. Different restrictions: There is no limit on the transfer transaction and consumption amount of a type of card. The cumulative daily limit for the second type of card is 10,000 yuan, and the cumulative limit for the annual transfer is 200,000 yuan.

2. Different functions: The first type of card is a full-function account, which is a well-known debit card, which can be used for deposits, transfers, consumption payments, purchase of investment and wealth management products, cash withdrawals, etc. The second-class card 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 a limit.

3. Different processing conditions: to apply for a type of card, you need to bring your ID card to the offline bank for processing, and the staff needs to verify the information. In addition to the above requirements, you must also apply for a second-class bank card if you already have a first-class card from the same bank.

A type of card generally refers to a debit card, which is a full-featured account with functions such as cash deposit and withdrawal, transfer, financial management, bill payment, payment, etc., and is not limited by the amount of use. The second type of card is similar to a credit card, which is equivalent to a wallet, and its main functions are daily expenses, investment and financial management, daily consumption, bill payment, etc. Class II cards do not support cash deposits and withdrawals, nor do they support transfers to unbound accounts, and there is a limit on transfers from Class II card accounts.

The specific differences between Class I cards and Class II cards are as follows:

1. Different functions:

The first type of card is a full-featured account, and any function is not restricted;

The second type of card is a restricted function account, with a limit for consumption, a limit for payment, and a limit for transferring funds to an unbound account.

2. The cash deposit limit is different

There is no restriction on the scope and amount of use of the first type of card;

The cumulative daily limit of transferring funds and depositing cash in the second-class card is 10,000 yuan, and the annual cumulative limit is 200,000 yuan.

3. The limits of consumption, payment, transfer out and withdrawal of cash are different

The daily cumulative limit of Class 1 cards is greater than that of Class 2 cards, and there is no annual cumulative limit;

The cumulative daily limit of the second-class card is 10,000 yuan, and the annual cumulative limit is 200,000 yuan, and it cannot be withdrawn.

4. How many accounts can be handled:

A type of card can only handle one account;

Type 2 cards can be used for multiple accounts.

5. Whether there is a physical card:

The first type of card has a physical card;

The second type of card does not have a physical card (a physical card can also be issued).

6. Account opening channels:

The second type of account can be opened through electronic channels such as self-service machines (no need for on-site verification of identity information by commercial bank staff), online banking and mobile banking.

Summary. Hello, first of all, the functions are different: one type of card is a full-featured account, and any function is not restricted; The second type of card is a restricted function account, with a limit for consumption, a limit for payment, and a limit for transferring funds to an unbound account.

Hello, the first function of the sleepy field is different: one type of card is a full-power spine travel account, and any function is not restricted; The second type of card restricts the function of the account, and the business of limiting consumption, payment, and transferring funds to unbound accounts is limited.

The number of accounts opened is different: the same customer can only open one Type 1 account in the same bank, while Class 2 accounts can open more than one. The opening of channels is not the same:

The first type of account can only be opened by the person who brings his identity document to the bank's outlets, while the second type of account can be opened directly through online banking, mobile banking and other channels.

There is no limit on the use of Class I accounts, while there is a limit on the use of Class II accounts, with a daily cumulative limit of 10,000 and an annual cumulative limit of 200,000.

1. Difference in quota: There is no limit on the amount of a type of bank card; The daily limit of the second-class bank card is 10,000 yuan, and the annual limit is 200,000 yuan;

2. Difference in the number of cards held: users can only apply for one type of bank card in one bank; There is no limit on the number of second-class bank cards, but one ID card can be used for up to four savings cards in the same bank;

3. Different permissions: The first type of bank card obtains more permissions than the second type of card. The above is the difference between a second-class bank card and a first-class card.

1. Introduction to the first class of cards.

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. The second type of card is a bank card that is responsible for daily financial management, investment and other consumption. A type of card refers to a type of debit card.

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.

2. Introduction to Class II cards.

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 on the spot, the class account can also handle the business of depositing and withdrawing cash, transferring funds from unbound accounts, and can issue physical bank card 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.

The bank's Class II card is very similar to a credit card, and it is mainly responsible for daily financial management, investment, and other expenses. The main body of the second type of card is an electronic card, although it also distributes physical cards, but it is not very useful. The difference between the funds of the second-class card account and the first-class bank account is that the second-class card cannot deposit or withdraw cash and cannot transfer money to an unbound account.

At the same time, the second-class card account has a transfer limit of 10,000 yuan per day and a transfer limit of 200,000 yuan per year.

Summary. Hello, it is a pleasure to serve you and answer your questions; The differences between Class I and Class II bank cards are as follows; Class I card: A type of card is a debit card issued by a bank that can be used for payments and cash withdrawals, but not for loans.

Class II cards: Class II cards are credit cards issued by banks that can be used for payments and loans, but not for cash withdrawals.

Hello, it is a pleasure to serve you and answer your questions; The difference between a first-class bank card and a second-class bank card is as follows; Class I Card: A type of card issued by a bank can be used for payments and cash withdrawals, but not for loans. The second type of card state is cautious:

Type 2 cards are credit cards issued by banks, which can be used for payments and loans, but not for cash withdrawals.

Extended Information; 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 and postal financial institutions. Bank cards have reduced the circulation of cash and checks, allowing banking to break through the limitations of time and space, and the stupid high has undergone a fundamental change. The use of the automatic bank card settlement system has made the dream of a "check-free, cashless society" a reality.