The Bank of China will evaluate the comprehensive qualifications of users and issue quotas.
First, credit card classification
1, a bank card
It is a settlement account with comprehensive functions, unlimited scope of application, unlimited amount of use and unlimited account balance.
2. Bank cards of the second category
It is a second-class settlement account, which is generally convenient for financial management. Through the second-class bank card, investment, transfer and consumption can be made. However, Class II bank cards are limited. If you transfer money to an unbound account, the daily transfer limit is 6.5438+0 million yuan, and the annual transfer limit is 200,000 yuan.
3. Three types of bank cards
(1) is a virtual card. The daily cumulative transaction amount is 5,000 yuan, and the annual cumulative limit is 200,000 yuan, and the balance in the card does not exceed 1000 yuan.
(2) Class III cards are electronic accounts launched by banks. Without a physical card, it can be opened at the counter or through relevant online channels, and the amount of Class III cards will be limited.
Second, the difference between bank cards and bank cards.
1. Opening channel: Class I bank cards must be verified at the bank counter in person; There are many channels to open second-class bank cards. Cardholders can choose to go to the bank counter in person or inquire about the opening through electronic channels such as mobile banking. You can choose according to your actual situation.
2. Number of accounts opened: According to relevant regulations, one person can only open one first-class bank card account with one ID card in a bank; But you can open more than one second-class bank card. At present, you can open up to four second-class cards.
3. Function scope: A type of card has the most functions, and a type of card can be said to be a full-function 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 with limited business scope. For example, the second-class bank card does not support large-sum transfer, bank-securities transfer and cross-border remittance.
4. Limit of line: A class of bank cards are not limited in line when handling transfer, consumer payment and other services; Different from the first-class card, the second-class bank card has a limit when handling business such as transfer and consumer payment.
Third, how to distinguish between cards and cards?
1. You can call the bank customer service telephone for consultation.
2. If you have time, you can also go directly to the bank counter to check, but you need to bring your ID card and bank card.
3. Inquire about mobile banking, download the mobile banking app, and inquire after logging in.
4. Log in to your personal account through online banking and directly query your personal bank card.