2. The second-class card does not affect the salary income, but the single and daily cumulative transaction limit of the account is 10000 yuan, which means that if the salary exceeds 10000 yuan, the second-class card needs to be bound to the first-class card, and the excess will be automatically transferred to the first-class card. At the same time, the second-class card will also be subject to the annual cumulative limit of 200,000, but for the case of batch payroll, it is not subject to the limit. So in general, the second-class card does have certain restrictions, but it will not have much impact on customers whose salary does not exceed 1000 yuan.

Third,

Disadvantages of investors handling second-class bank cards

1. Class II cards have great restrictions on both the deposit amount and the transaction amount. Generally, the daily transaction amount of Class II cards is limited to 5000 yuan. This quota is far from enough for many big bosses, even for some hard-working ordinary migrant workers. At present, the annual transaction amount of the second-class card is also limited, and the transaction amount is mostly limited to 6,543,800 yuan. In addition, the second-class card has many sequelae, and cardholders are often subject to various quota restrictions when conducting various transactions in banks.

Compared with the first-class card, the second-class card is so bad that it can only be used as a very ordinary card. There will also be difficulties in conducting foreign exchange transactions. This is not only a restriction in life transactions, but also various loans such as mortgages and car loans. We can think that the disadvantages of holding the second-class card are not limited to the above points, but only the transaction amount and transaction limit, as well as the identity restriction, which will make people look down upon it. No big boss made a fortune with a second-class card. That will only make the money they earn unable to form a huge capacity pool, make them unable to influence the development of this market enough, and make them really make less money.

3. You can't enjoy many discounts. Generally speaking, cash savings cards such as bank cards are very convenient. This is basically a rule. When a consumer holds more than 6 million diamond cards, he is really popular. People who hold first-class cards sometimes receive gifts from many supermarkets and coupons for various consumption, so as to get enough development benchmarks. The second-class card can't enjoy some tangible benefits issued by the bank, and the cardholder can only flop in shallow water all the time. This is the greedy behavior of human nature under the market economy. Second-class cards simply can't satisfy this greed. In order to change this passive situation, we can't hold a second-class card, but we must find time to apply for a first-class card. However, if you hold a second-class card, you can't enjoy this treatment. This kind greeting is just an opportunity to become a super-rich person.

4. Class II cards can only be used by ordinary students, poor residents and retired old people. For them, just enough wealth is the happiest thing, which is most suitable for their whole life.