What information do I need to upgrade to a Type 1 card?

The upgrade of a bank card requires the customer to bring his or her documents to the bank counter, and the customer can only apply if the bank does not have a first-class card, or the original one-type card is downgraded or cancelled.

The bank stipulates that each person can only have one type of card, if a customer has never had a bank card in the bank, the first bank card of the bank is a type of card, and the multiple bank cards handled after the first class of cards are divided into two types of cards or three types of cards.

If a customer wants to upgrade one of the Category 2 cards in the name to a Category 1 card, the customer needs to downgrade or cancel the original Category 1 card, then the Category 2 card can be upgraded to a Category 1 card.

The transaction of upgrading the first-class card can only be handled at the bank counter, and it can only be handled by the person, and the first-class card or the second-class card must be in the normal state of the account.

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

1. The scope of use is different. A type of card can be said to be a full-featured account, which can be used for large-value deposits and withdrawals, transfers, consumption payments, and financial product purchases, and there is no restriction on its use. For example, the second-class card cannot handle large-value transfers, cross-border remittances and other businesses, and the second-class account can only be used to buy wealth management products, deposits, and limit the amount of consumption and payment.

2. The number of accounts opened is different: the same customer can only open one type of account in the same bank, while the second type of account can open more than one.

3. Different opening channels: 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.

4. The usage limit is different. 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.

If you don't know whether the bank card in your hand is a class I card or a class II card, then you can directly call the bank's customer service ** for consultation, or you can directly bring your ID card and bank card to the bank's outlets for inquiry.

Cancel a Class I card.

After, Class II cards.

It will not be automatically upgraded to a Class 1 card.

Although some banks already have the function of online self-service upgrade and downgrade account, there are many conditions that need to be met for upgrading and downgrading, and the success rate of online self-service is low.

If you go to the outlets, you can cancel the previous first-class households, and then upgrade the second-class households to the first-class households, or you can downgrade the previous first-class households to the second-class households, and then upgrade the second-class households to the first-class households. First confirm whether there is a type of bank under the name of the bank where your current class II bank card is located, if there is, then your class II card cannot be upgraded to a class 1 card, if you do not have a class 1 card, then bring your ID card.

Go to any branch of the bank and you can apply for the upgrade. Cancel the type of card you used to have with your bank and apply to the bank for an upgrade.

2. Or downgrade the previous Class 1 card and apply to the bank to upgrade the Class II card to a Class 1 card.

There is one condition that must be met to upgrade a Class II card to a Class 1 card, that is, the bank does not have a Class 1 card. After meeting the conditions, the cardholder can go to the bank counter or self-service machine with his ID card and bank card to handle the business of upgrading the second-class card to the first-class card.

In addition, if the bank already has a Class 1 card, then only that type of card can be downgraded to a Class 2 card, and the card can be upgraded to a Class 1 card. If a bank has only one card, the bank will set the card as a type of card by default.

Summary. Hello, I am glad to answer for you, the following conditions need to be met to upgrade from a Class II card to a Class I card:1

The cardholder has a good credit record and has no bad records such as overdue or arrears; 2.The cardholder's income is stable, and the monthly income meets or exceeds the minimum income standard set by the bank; 3.Cardholders have a high level of spending, often use credit cards to make purchases, and are able to repay on time; 4.

The cardholder has been holding the card for a long time, and generally needs to hold the card for more than one year; 5.The cardholder has a high credit limit and generally needs to meet the minimum credit limit standard set by the bank.

Hello, I am glad to answer for you, the following conditions need to be met to upgrade from a Class II card to a Class I card:1The cardholder has a good credit record and has no bad records such as overdue or arrears; Chalu 2

The cardholder's income is stable, and the monthly income is false and meets or exceeds the minimum income standard stipulated by the bank; 3.Cardholders have a higher level of spending, often use credit cards to make purchases, and are able to repay loans on time; 4.The cardholder has been holding the card for a long time, and generally needs to hold the card for more than one year; 5.

The cardholder has a high credit limit and generally needs to meet the minimum credit limit standard set by the bank.

Expansion: The second-class card is a bank card that is responsible for daily consumption such as wealth management and investment. Category accounts can handle deposits, purchase financial products such as buried pure 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 deposit and withdrawal of cash, the transfer of funds from non-bound accounts, and the physical card of the bank card can be distributed.

Summary. Hello, what are the conditions for upgrading a class II card to a class of cards: you need proof of income, you have to provide the bank with a salary slip with a monthly income of more than 10,000 yuan, or the customer has more than 10,000 yuan per month in and out of the account, these income must be sorted out into materials to provide to the bank, because these upgrade to a class of card materials, the bank staff is to take pictures of the bottom, and these upgrade class I card materials are to be uploaded to the public security organs for the record.

Hello, what are the conditions for upgrading the second-class card to the first-class card: you need to prove your income, you have to provide the bank with your monthly income of more than 10,000 yuan, or the customer has more than 10,000 yuan per month on the beam and out, these incomes must be sorted out into materials to provide to the bank, because the materials of these upgraded class I cards, the bank staff is to take pictures of the bottom, and the materials of these upgraded class I cards are to be uploaded to the public security organs for the record.

The bank does not have a Class I card. After meeting this condition, you can bring your ID card and bank card directly to the bank for processing. Cardholders who want to upgrade the second-class card to the first-class card, can first downgrade the first-class bank card, and then upgrade the second-class bank card, but before downgrading the first-class bank card, all the cash invested in the first-class bank card is redeemed to ensure that there is no fixed deposit in the card and no loan business.

The process of upgrading a Class II card to a Class I card is as follows:

1. Users need to bring their ID cards and bank cards to local business outlets, and use smart teller machines to change the types of Class I and Class II accounts at the bank.

2. Users can go directly to the bank counter and handle it at the personal business handling window, and after the successful processing, the second type of account will become a first-class account.

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.

Extended information: 1. A type of account refers to an account opened through a traditional bank counter that meets all the strict requirements of the real-name system. Simply put, it's a debit card or debit card in hand.

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

2. The second type of account cannot deposit or withdraw cash or transfer money to an unbound account, and the daily payment limit of this type of account is 10,000 yuan. This is the case, for example, with credit cards.

3. How to check the bank card category:

There are several ways to find out the type of card. Users log in to mobile banking, enter "My", click on the bank card, and some banks will display the type of account above the corresponding card number. SMS can also query the type of bank card, taking China Construction Bank as an example, SMS "cxlx" can be sent to 95533.

Inquiries are also available at bank counters or bank ATMs. It should be noted that the same person can only open one Class I account in the same bank, so the premise of upgrading the Class II card to the Class I card business is that there is no Class I account in the bank.

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4. The difference between Class I card and Class II card is mainly reflected in the following aspects:

1) A type of card belongs to a settlement account; Type 2 cards are non-settlement accounts.

2) There is no payment limit for Class 1 cards; 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) A type of 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.

Dear, hello, 1 users need to bring their ID cards and bank cards to the business outlets of Dangye, and use the smart teller machine in the bank to change the type of account of Xiaoli Class I and Class II. 2. Users can go directly to the bank counter and handle it at the personal business handling window, and after the successful processing, the second type of account will become a first-class account.

If the user does not have a Class 1 card.

Bring your ID card.

Go to a bank branch and explain the situation to the staff, and then you can apply for a Class 2 card.

Upgrade a Class 1 card. However, it should be noted that the same person can only open one type of account in the same bank.

What are Class 1 and 2 cards?

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 Class II card account and the Class I card account is that the Class II card cannot deposit or withdraw cash or 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.

Specifically, in terms of account opening channels, one type of account can only be opened at the bank counter or at the ATM.

Apply for a physical card and need to be verified by bank staff; The opening of the second type of account is handled at the bank, and a physical card can be issued. In terms of bank card limit, there is no limit for a type of account; The daily deposit, withdrawal and transfer limit of the second-class account is only 10,000 yuan, and the annual limit is 200,000 yuan.

In terms of functions, a type of account has all the functions of a bank card; The second type of account has all the functions of the first type of account, but the daily limit is 10,000 yuan. In terms of the number of accounts that can be opened, each person can only open one account in the same bank; The maximum number of accounts opened in the same bank for each person in the second category is 5.

2. Steps and precautions for upgrading a Class II card to a Class I card

1.The second type of card can be upgraded to a first class card, bring your ID card and bank card to the bank counter.

2.Inform the staff to handle the upgrade of the second-class card, and each person can only have one first-class card.

3.Therefore, after upgrading the second-class card to the first-class card, the original first-class card will be cancelled.

4.If you handle the upgrade business, you will be told that the original type of card is invalid or cancellated.

5.The same person can only open one type of account in the same bank.

Summary. Dear, glad to answer for you! The conditions required for upgrading the second-class card to the first-class card are proof of income, and you must provide the bank with a salary slip with a monthly income of more than 10,000 yuan, or the customer has more than 10,000 yuan per month in and out of the account, and these incomes must be sorted out into materials to provide to the bank, because the materials of these upgraded first-class cards, the bank staff should take pictures and keep the bottom, and the materials of these upgraded first-class cards should be uploaded to the public security organs for the record.

Dear, glad to answer for you! The second type of card upgrade to the first class of cards requires proof of income, to provide the bank with your monthly income of more than 10,000 salary slips, the group or the guest service orange household has more than 10,000 per month in and out of the account, these income groups must be sorted into materials to provide to the bank, because these upgrade to the first class of card materials, the bank staff is to take pictures of the bottom, and these upgrade class I card materials are to be uploaded to the public security organs for the record.

Extended information: 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 businesses. Debit cards are divided into a class of cards, two types of 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, you can handle the transfer of wisdom, do transportation consumption, pay before Hu this, financial management, deposit and other businesses.