Why do you apply for one credit card for two

When you receive two cards, the other card should be an accessory card. It is very likely that the cardholder checked the option of applying for a supplementary card when applying for a credit card

A credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

according to different card issuers, it can be divided into bank cards and non-bank cards

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card.

this kind of card can be divided into retail credit card and travel and entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card.

the gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

why apply for a credit card and give two, and one is not activated?

one of them is a full-currency card sent by the bank. If it is not activated, as long as it is not used, no other expenses will be incurred.

1. If a normal customer applies for a card, there is only one card. If the customer applies for a UnionPay single-label card, a full-currency card may be sent to the customer at the same time. There are VISA full currency cards and other brands of full currency cards. But it mainly depends on the way of application, not every customer will automatically give one when issuing cards. You can apply through the official client of Pocket Life, WeChat, official website and other channels.

2. if you receive a full-currency card from the bank and don't use it for the time being, you can choose not to activate it or cancel the account. However, it is necessary to protect the card. No matter whether it is activated or not, as long as it is not used, there will be no other expenses, and there is no need to worry about the overdue annual fee.

3. China CITIC Bank, Bank of Communications and other banks will issue free cards only if customers apply for full currency cards. There are also some banks that will issue a full-currency card by default when the applicant chooses the UnionPay single-label card.

Extended information:

1. The function of the all-currency card given by the bank

(1) There is no annual fee;

(2) for overseas or sea purchase;

(3) Share the credit line with other credit cards of the same bank, and combine the bills;

(4) There is no foreign exchange fee;

(5) it can only be used after activation.

2. Before applying for a card, you can ask the bank whether you will issue an extra full-currency credit card. Unnecessary, some banks' credit cards can be rejected directly.

3. At the end of 216, the central bank stopped the dual-currency card, and there will be no more cards with the logos of two card organizations. The withdrawal of double-label cards from the historical stage also means that the convenience of "one card goes to the world" is over. If you want to have credit cards issued by UnionPay, Visa and Mastercard at the same time, you have to apply for multiple credit cards.