Yes, you can. At present, individuals can only open a 1 first-class card in one bank. However, the bank also stipulates that loans cannot be used for investment purposes such as buying a house or trading stocks, so any card that is bound to the investment account of a securities company cannot lend money. Therefore, if a bank wants to do business (loan) for people like you, it must let people open a second-class card of 1, so that the loan money can be transferred, how to withdraw it and then use it. I personally use the second-class card as a loan account and repayment. As for whether you are like this, I won't say it then. Anyway, the second-class card is an account. However, you should note that if the second-class card is not bound to the first-class card, you can only withdraw or transfer 10000 yuan every day, which is not very convenient. If possible, it is recommended to use a first-class card. Second, how to deal with bank loans and loans as second-class cards?

Go to the issuing bank's business hall to upgrade the account and upgrade it to a first-class card.

Third, how to get a loan card after bidding?

Step 1: Get the watch.

The enterprise holds the original valid business license (the institution holds the original valid enterprise legal person registration certificate) and the original valid code certificate (or the electronic copy of the code certificate, that is, the ic card) to apply to the Monetary and Credit Coordination Unit of chibi city Branch of the People's Bank of China to receive the loan card application report.

Step 2: Fill in the form.

By the enterprise (unit) legal person or financial person in charge to fill in the relevant forms truthfully. The legal representative, the accountant in charge and the person filling in the form shall sign at the designated place respectively (not on their behalf) and affix the official seal of the enterprise (unit). Fill in the relevant forms with evidence and don't make random impressions.

Step 3: Send for inspection

The applicant shall prepare the following documents (materials) to be submitted and send them to the Monetary and Credit Coordination Unit of the People's Bank of China for review:

(1) Business license of enterprise as a legal person or a valid copy of business license or enterprise legal person registration certificate, and show the original;

(2) A copy of the original valid organization code certificate, and show the original copy;

(3) A copy of the original valid national tax registration certificate and local tax registration certificate, and show the original;

(4) A valid copy of basic deposit account's account opening permit, and show the original;

(five) the legal representative (person in charge), general manager, financial officer and other senior management personnel's identity documents and photocopies of academic credentials;

(6) A copy of the latest capital verification report of the enterprise or the property right registration certificate of state-owned assets or the proof of the source of registered capital, and show the original;

(7) A copy of the code certificate of each investor and a copy of the identity certificate of each natural person in the enterprise capital composition table;

(eight) certification materials of the enterprise's foreign investment, and a copy of the code certificate of each invested unit;

(9) Copy of the code certificate of the parent company (group company/parent company);

(10) the identity certificate of the legal representative of each member of the family business, and a copy of the business license of each member of the family business;

(1 1) The balance sheet, profit and loss statement and cash flow statement of the legal person enterprise in the year before applying for the loan card and in the latest quarter or half year. Each report page must be stamped with the official seal of the enterprise and the seal of the person in charge of finance and tabulator;

(12) Copy of the ID card of the agent who applied for the loan card;

(13) If you entrust others to handle the loan card (code), you should also submit a legally binding power of attorney.

All the above copies should be copied on A4 paper.

Step 4: Issue credit cards.

The People's Bank of China shall, according to the information submitted by the applicant, examine whether the applicant is qualified to obtain a card (code). The People's Bank of China, in accordance with the relevant provisions, will issue a loan card (code) qualification to those who meet the requirements. The applicant can set a password (code) for his loan card to protect the credit information security of his unit.

4. How to use the two cards after applying for a loan?

You may be worried about the limit consumption of second-class households and the transfer of funds to unbound accounts, but it should be noted that loan lending (directly transferred to second-class households) and repayment are not subject to limit control. Moreover, as long as the second-class account is bound with the first-class debit card of the Bank, the transfer-in and transfer-out of the bound account is not limited by the amount.

Customers should also note that NetJet loan funds can only be used for personal consumption purposes, not for investment, wealth management, real estate and other fields. If the customer withdraws funds from NetJet for buying a house or investing in wealth management, once it is discovered by the bank, it is likely to recover the money and ask the customer to settle the loan in advance.