Why do you apply for a credit card?
Users apply for a credit card but receive two cards. This is because some cards are issued in the 11-card mode, and the card organizations of the two cards are usually different.
For example, the user applied for a MasterCard, but in order to facilitate the user's spending in China, a UnionPay credit card will be sent to the user. Or the user directly applies for a set of cards, then you can get two credit cards of different card organizations at one time.
people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card.
generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.
the application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., with the applicant's autograph.
after receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.
usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc.
The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
because the credit card application is sent by post after it is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening program before it is officially opened. Card opening is mainly through telephone or internet, etc., to check the relevant personal information provided at the time of application, and complete the card opening procedure after it meets the requirements.
at this time, the applicant becomes the card holder, and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting credit cards, credit card merchants or banks should review the validity of credit cards and the identity of cardholders.
why are there two credit cards (debit cards)?
the user applied for a credit card (debit card), and the bank issued two cards because the user applied for a set of cards. When a user applies for a dual-currency card, the bank will issue two cards to the user, generally one UnionPay card and the other one is a card. The quota of two cards is * * *, and the cards cannot be used in many places in China, so UnionPay cards are needed in China.
two cards are issued together. Generally, the cards are platinum cards, and there is no annual fee for the cards.
What do you mean by why there are two credit cards?
One possibility is that the credit card applied for is a set of cards, that is, one UnionPay card and one card. UnionPay cards are suitable for use in China and cards are suitable for use abroad. If the card is of little use, you can choose to activate only UnionPay cards.
another possibility is a main card and an auxiliary card. the main card is used by the applicant himself, and the auxiliary card is used by the immediate family members of the main card holder. If you don't pay attention to the secondary card option when applying for a credit card, you may have two cards, the primary card and the secondary card, when you get the card. The secondary card also has a quota, and the quota of the secondary card can be freely specified, but it cannot exceed the quota of the main card.
unionpay card refers to a bank card that meets the requirements of unified business specifications and technical standards, and is printed with the word "unionpay" at the designated location. Most of them start with "62". According to the relevant person in charge of the People's Bank of China, the bank card with the "UnionPay" logo must conform to the unified business norms and technical standards stipulated by the People's Bank of China and be approved by the People's Bank of China.
The purpose of "UnionPay" logo is:
To provide a unified identification mark for all kinds of ATMs and POS terminals to accept bank cards issued by commercial banks, so that bank cards issued by different banks can be commonly used in ATMs and POS terminals with "UnionPay" logo, and provide convenient, fast and safe financial services for consumers.
The characteristics of UnionPay cards are as follows:
First, the red, blue and green "UnionPay" logo is printed on the lower right side of the front of the card.
Second, there is a holographic laser pattern above the "UnionPay" logo on the credit card.
Third, the signature strip on the back of the credit card is printed with the words "UnionPay" in color, and the handwriting written on it cannot be smeared.
China UnionPay RMB card can withdraw cash from overseas, and the annual limit is added except that each card does not exceed the equivalent of RMB 1, per day.
due to credit limit and other reasons, the issuing bank may set a separate limit. please consult the issuing bank for details. Overseas countries and regions have different restrictions on the amount of ATM single withdrawal, which is subject to the local machine tips.
In general, most credit card operators belong to institutions in countries with freely convertible currencies, so there is no difference between cards and local currency cards in such countries; However, in most developing countries, the currencies of many countries are not freely convertible. Therefore, even if a credit card with this currency is a member of an international credit card organization, it can only be issued as a regional card and cannot be used internationally. To this end, the card issuer must use a freely convertible currency, that is, the internationally accepted currency, as the settlement currency of its international card, so as to achieve the purpose of issuing internationally accepted credit cards, which is the so-called card.
Why are there two credit cards in China Bank?
some credit card products of BOC adopt the 11-card issuing mode, that is, two card faces are applied at one time. At present, some products adopt the 11-card issuing mode for new customers, and old customers only issue one card. If you have any objection, you can call the customer service hotline.
the above contents are for your reference. please refer to the actual business regulations.
I applied for one ICBC credit card. Why did I get two?
I applied for one ICBC credit card. Why did I get two?
make sure that both cards are credit cards, which may be the primary card and the secondary card.
it is possible that the salesman filled out a document for you. Apply for two credit cards.
another possibility is: a credit card and a savings card.
the two credit cards received may have different functions and functions.
it is possible that one of them is a dual-currency credit card; One is a single currency (RMB) UnionPay credit card, or one is a UnionPay chip credit card. There will be no difference in the level and credit limit between the two cards, both of which are entitled to * * *, and if they are gold cards and ordinary cards, they are free of annual fees in the first year, and they are free of annual fees in the following year if they are swiped five times.
Dual-currency cards are very convenient to use abroad, and even if there is no channel supported by UnionPay, you can swipe your card for consumption or cash withdrawal. The UnionPay single currency credit card can only be swiped through the UnionPay channel. Chip cards mainly include electronic cash business, which has the function of flash payment for small transactions, but it is not used for general shopping, and it is not very safe. Therefore, it is recommended that you only use one of the credit cards, preferably a dual-currency credit card, so that you can use it at home and abroad without paying an annual fee.
Why can't I apply for another ICBC credit card?
Even if I give you another one, I will use a line. If my answer is helpful to you, please adopt it! If you don't answer clearly, please continue to ask or write privately!
why do you apply for a bank of communications credit card, two cards, one visa and one MasterCard?
Generally, you will get a UnionPay card, one visa or one master. Two cards, you can't swipe them in China.
I applied for an ICBC credit card, but two account numbers appeared.
Where can I see two account numbers? If it is an ICBC credit card set, two credit cards will be issued together. One is a UnionPay credit card, and the other is a credit card for overseas credit card transactions.
I have an ICBC credit card. Is it quick to apply for an audit?
When applying for an ICBC credit card, the bank will audit and approve the card issuance within 15 working days.
If the audit passes, the bank will send you a short message and send the credit card to your designated bank.
After receiving the credit card, the bank will call you to get the card.
If you have an ICBC credit card, will you refuse to apply for a second card?
Not necessarily. Counter handling process:
1. Go to the bank outlet where the credit card is handled, or find the staff of the credit card center of the local bank to fill out the credit card application form. The contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant;
2. Submit certain photocopies of certificates and certificates to the issuing bank;
3. After the contents of the application form are truthfully filled in, relevant credit certificates should be submitted at the same time as the completed application form;
4. The application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit a declaration of the authenticity of the information, the issuing bank's privacy protection policy, etc., and must have his own signature;
5. the credit card processing process is basically completed, and it is waiting for the credit card to be issued.
what can I enjoy with two ICBC credit cards * * *? One card is locked
Two ICBC credit cards can enjoy * * *. One is locked, and the quota of the other is still there.
ICBC has the right to freeze another card if it is locked due to arrears.
Why did China Everbright Bank apply for two credit cards?
Ask the customer service, that is, you chose the automatic monthly repayment function when you applied, that is, one is a credit card and the other is a bank card. You use the credit card to spend money, and the bank will automatically deduct the money from the bank card sent with your credit card every month.
to apply for an ICBC credit card for ETC online, what kind of card should I apply for?
ICBC applies for a credit card online: Peony standard credit card and credit card gold card with UnionPay logo.
Credit card processing requires the following procedures:
1. Personal ID card;
2. unit income certificate;
3. Bank flow in the last six months;
4. Personal property certificate;
5. information required by other banks.
credit card processing process:
1. Call the bank, or go to the bank counter to inform you of your intention, or submit an application for credit card online;
2. submit the information needed to handle the credit card to the bank;
3. fill out a credit card application;
4. After the audit is passed, the bank sends the credit card.
why did I get two credit cards? The reason is that
when we apply for a credit card, we usually apply for one card and issue one, but we will also encounter the situation that we only applied for one credit card, but the bank gave two cards. Many people don't know what is going on, and some still think that the bank gave the wrong credit card. Let's get up and find out.
why did I get two credit cards?
this is a set of cards applied for. Although two credit cards are given, the card organizations are different, usually a UnionPay credit card, a VISA card or a MasterCard. Banks do this to make it easier for people to use their cards. Since the cancellation of multi-currency credit cards, many people have to apply for a VISA/MasterCard separately if they have overseas needs.
if you apply for a set of cards, you don't have to go to so much trouble. You can get two different organizations' cards at one application. You can use UnionPay cards for domestic consumption and cards for foreign consumption, and the card rights and benefits of different organizations are different.
However, although the bank gave two cards, it is not necessary for everyone to activate them. It mainly depends on their own needs. If there is an overseas demand, both cards can be activated. If you only swipe your card frequently in China, the cards can be temporarily deactivated.
Some friends will worry that both cards will be activated, but if the cards are not used often, there will be an annual fee. In fact, although many sets of cards have different card organizations, they generally only charge the annual fee of UnionPay cards, and the cards are free of annual fees within the validity period.
of course, if you feel that your card is really useless and you are afraid of the risk of swiping it, you can cancel it. There are two cancellation methods. You can directly call the issuing bank to cancel it, or you can cancel it yourself at the counter of a bank outlet. Generally, the cancellation will be successful on the 46th day from the date of cancellation, without any balance or arrears.
let's talk about why there are two credit cards.