Will a Class 1 card become a Class 2 card, and can a Class 2 card be upgraded to a Class 1 card?

*Class 1 cards will become Class 2 cards**. There are two main reasons for this:

1.According to the development of the "broken card" action, major banks have taken measures such as cleaning up dormant accounts, "one person with multiple accounts", and "long-term dormant accounts". If a user has more than one Category 1 card in the same bank, only one card will be kept, and the others will be downgraded to Category 2 cards or Category 2 cards.

2.The first-class card can be actively applied for to become a second-class card, and you need to bring your bank card and ID card to the bank counter for processing, and the bank will not charge any fees.

After downgrading to a Class II card, the daily usage limit is 10,000 yuan, and the annual limit is 200,000 yuan. Please consider whether you meet the requirements for daily use.

Under normal circumstances, a Type 2 card account can be upgraded to a Type 1 card. However, since the bank stipulates that the same ID card user can only have one Class I card account in the same bank, if the previous user does not have a Class I card account, then the Class II card can be directly upgraded to a Class I card; If you already have a Class 1 card account, you can only cancel or downgrade the Class 1 card account to upgrade the Type 2 card to a Class 1 card.

Extended information: The class account (with physical media) is a full-function account, which can be used for large-amount payment services such as large-amount deposits, withdrawals, transfers, consumption payments, and purchase of investment and wealth management products, and the scope and amount of use are not limited.

There are restrictions on the transaction amount of such accounts (there are two types of physical media and no physical media), and they can handle small-amount payment services such as quota deposits, quota consumption payments, quota transfer of funds to unbound accounts, and purchase of investment and wealth management products (referring to the purchase of financial products such as investment and wealth management sold by banks or ** sales).

A similar account (without physical media) is equivalent to a coin purse that you carry with you, which is suitable for mobile payment business. You can handle the quota consumption and payment, and the transfer of funds from the limit to the unbound account.

The differences between Class I and Class II cards are:

The scope of use is different. Type I cards can be used for large deposits and withdrawals, transfers, purchases and payments, and the purchase of financial products, and there are no restrictions on the use of Anderson. The second type of credit card can be used to purchase financial products, deposits, spending, and payments for limited amounts.

Different account forms. The first type of card account comes in two forms: a savings card and a passbook. The second type of card is a debit card and an electronic account.

The usage limits are different. There are no usage restrictions for Type I accounts. There is a limit for the second type of account.

In the case of a Savings Savings Card account, the daily cumulative limit is 10,000 and the annual cumulative limit is 200,000. In the case of an electronic account, the limit for a single transaction and a cumulative daily account is 10,000.

The funds of the second type of family are relatively basic for the first type of family, that is, the functions of the first type of card are relatively basic, while the functions of the second type of card are derived, including accounts opened in online banks such as direct banks and Weizhong Bank. The second type of households can handle deposits, purchase bank investment and wealth management products, consumer payment and other businesses.

The second type of account can handle deposits, purchase of financial products (such as investment and wealth management products), limited spending and payments, and limited funds transferred to unbonded accounts. If you use bank counters and self-service machines to confirm the identity of bank staff in person, the secondary account can also handle cash deposits and withdrawals, transfer funds to unbound accounts, and issue physical bank cards.

The biggest difference is that the second type cannot deposit or withdraw cash, nor can it be transferred to an unbonded account.

*Yes**, Class 2 cards can be upgraded to Class 1 cards. Here's how you can upgrade:

1.Bring your valid ID card and bank card to the counter of the bank branch, and you need to upgrade the Class II card to the Class 1 card.

2.If you have already opened an online banking account, you can log in to online banking, modify it on the payment management page, and upgrade the Type 2 card to a Class 1 card.

4.Find the personal account management on the bank's official **, and then find the bank card Tongban upgrade, and follow the prompts to operate.

Please note that before upgrading a Category 2 card to a Rock 1 card, you need to understand the nature and functions of each type of card and choose according to your needs.

1. A customer can only have one Class 1 card in a bank. The first type of card is responsible for the main funds and has high security requirements.

2. The second-class card is equivalent to a "wallet", which is used for slightly larger daily expenses, and is mainly responsible for daily financial management, investment and other consumption.

Extended Materials. 1. The second-class bank card can effectively protect the safety of large amounts of funds, but it is not as convenient to use as the first-class card. Banks can upgrade a Type 2 card to a Type 1 card, but only if the cardholder has not yet opened a Class 1 account with the bank, or if an existing Class 1 account is downgraded to a Type 2 account. Because according to the relevant regulations, a person can only open one type of account in a bank.

If you do not hold a Class I bank card, the cardholder can go to any Bank of Communications outlet to upgrade the Class II card with his/her ID card, bank card and other documents. In addition, if the issuance of an instant card is required, the original Class II card number will be changed to the instant card number, and the card number will be changed; If you are required to issue a registered card, you can choose whether to change the card number or not, and the card number can not be changed.

2. A type of bank card is actually a type of settlement account, which has comprehensive functions, and there are no restrictions on the scope of application, the amount of use and the account balance. The second type of bank card, as the name suggests, is the second type of settlement account, the second type of bank card is generally a convenient financial account, through the second type of bank card, you can do investment, transfer, consumption, etc., but the second type of bank card is limited, the second type of bank card to the non-binding account transfer, the daily transfer limit is 10,000 yuan, and the annual transfer limit is 200,000 yuan. In addition, there are three types of bank cards, which are virtual cards, with a daily cumulative transaction amount of 5,000 yuan, an annual cumulative limit of 200,000 yuan, and a card balance of no more than 1,000 yuan.

There are differences between Class I and Class II cards in terms of opening channels, number restrictions, functional scope, and usage quota. Opening channels: The opening of a type of bank card must be verified and opened by the bank counter in person; There are many channels for the second type of bank card, the card issuer can choose to go to the bank counter to verify the opening in person, or through mobile banking and other electronic channels, you can choose according to your actual situation.

Number of openings: According to relevant regulations, a person can only open one type of bank card account in a bank with one ID card; However, more than one Class II bank card can be opened, and at present, a maximum of 4 Class II cards can be opened.

3. Functional scope: The functions of a type of card are the most, and a type of card can be said to be a full-featured account, and there is no scope limit when handling business; Compared with the first-class card, the second-class bank card is a restricted function account, and the scope of business is limited. For example, the second-class bank card does not support large-value transfers, bank-securities transfers, cross-border remittances and other services.

Quota limits: Tier 1 and Category 2 cards also have different quota limits. There is no limit on the amount of a first-class bank card when handling transfers, consumption payments and other services; Different from the first-class card, the second-class bank card has a limit on the amount of money transfer, consumption payment and other services.

If the user has handled a class of cards before, then you need to cancel a class of cards or downgrade, and then upgrade the class of two cards to a class of cards, the bank will not charge in the process of upgrading, and at the same time the implementation of the upgrade will take effect, the bank can only handle 4 ID cards (excluding credit cards) when handling class 12 and 3 types of cards, it is worth noting that an ID card can be handled at most one, The bank will charge a certain cost of production at the time of processing. When applying for a bank card, users can choose the type according to their own needs to meet the needs of daily use.

You will need to go to the bank

Have a great day

Upgrade the Type 2 card to the Class 1 card, bring your ID card and bank card to the bank counter. Inform the staff to handle the upgrade of the second-class card.

Each person can only have one category card. Therefore, after upgrading the second-class card to the first-class card, the original first-class card will be cancelled. If you handle the upgrade business, you will be told that the original type of card is invalid and must be cancelled.

The same person can only open one type of account in the same bank. If a Class 1 account has already been opened and a new account is opened, a Class 2 account or a Class 3 account shall be opened. Only one type of account can be opened in the same payment institution.

Class II cards cannot deposit or withdraw cash or transfer to unbound accounts, and there is a limit of 10,000 yuan per day for transfers and 200,000 yuan per year for transfers in Class II bank card accounts. The second type of card funds are in the first type of account, including accounts opened in direct banks and Internet banks, etc., and the second type of file account can transfer money to the first type of account, but it must be a bound card. In fact, it is not called transfer, when you apply for a type 2 account, the bank will let you tie to a debit card in the name of the same bank or another bank.

The money in the second type of account wants to be transferred to the first type of account, which is called withdrawal, and the second type of account is equivalent to the sub-account of the first type of account, so the analysis is easier to understand. Type 2 accounts do not allow direct cash deposits and withdrawals. However, it is possible to transfer funds between the card and the bound card.

If you want to withdraw cash, you have to mention the bound card first, and then use the bound card to withdraw it.

The biggest difference between Class I and Class II cards is that Class II cards cannot deposit or withdraw cash, and cannot transfer money to unbound accounts. The funds of the second-class card** are the same as the first-class card, which can be used to purchase investment and wealth management products, deposits, consumption payments, etc.

Difference between Class I card and Class II card:

1. Functions. The first type of account can handle deposits, transfers, consumption payments, purchase of investment and wealth management products, cash withdrawals and other businesses.

The second-type account can handle deposits, purchase investment and wealth management products and other financial products, but cannot deposit or withdraw cash or transfer money to unbound accounts.

2. Limits. There is no restriction on the scope and amount of use of the first-class account, while the single-day payment limit of the second-class account is 10,000 yuan.

3. How many accounts can be handled.

The first type of account can only handle one account, while the second type of account can handle multiple accounts.

Fourth, whether there is a physical card.

Type 1 accounts have a physical card, while Type 2 accounts do not have a physical card.

5. 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. If your card is a Class II card and you want to turn it into a Class 1 card, it is recommended that you try the following methods:1

Replace your card at the bank counter. You can bring your valid identification and original bank card to the bank counter, indicate to the teller the need to replace the card, and fill in the relevant application**. A bank teller will help you replace your card.

2.Self-service card replacement. Some banks offer self-service card replacement facilities, where you can bring your valid identification and original card to a designated self-service device to replace your card, which may vary depending on the bank.

3.Replace your card through online banking. Some banks provide online banking services for card replacement, you can log in to the relevant online banking platform, and replace the card in the personal center or related functional modules, and the specific operation method may be different according to different banks.

It should be noted that card replacement may involve risks such as card replacement and password reset, so it is recommended to choose to replace the card at the bank counter as much as possible to ensure safety and reliability.

If your card is a Class II card and you want to turn it into a Class 1 card, it is recommended that you try the following methods:1Replace your card at the bank counter.

You can bring your valid identification and original bank card to the bank counter, indicate to the teller the need to replace the card, and fill in the relevant application**. A bank teller will help you replace your card. 2.

Self-service card replacement. Some banks offer self-service card replacement facilities, where you can bring your valid identification and original bank card to a designated self-service device to replace your card. 3.

Replace your card through online banking. Some banks provide online banking services for card replacement, you can log in to the relevant online banking platform, and replace the card in the personal center or related functional modules, and the specific operation method may be different according to different banks. It should be noted that card replacement may involve risks such as card replacement and password reset, so it is recommended to choose to replace the card at the bank counter as late as possible to ensure safety and reliability.

1. The first type of card can deposit and withdraw cash, wealth management, transfer hail, pay bills, payment, etc., and there is no limit on the amount when using it; The second type of card is mainly responsible for daily expenses, financial management, investment, etc2. The second type of account funds are in the first class of accounts, 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 WeBank3. The first type of account is a full-featured 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., 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. The class of cards can be said to be full-featured accounts, and there is no scope limit when handling business; Compared with the first-class card, the second-class bank card is a restricted function account, and the scope of business is limited.