How to upgrade the second-class card of CCB to the first-class card?

Upgrading the second-class card to the first-class card can be handled through mobile banking and bank outlets. Take China Construction Bank as an example. The process of mobile banking is as follows: log in to the mobile banking of China Construction Bank, click "Home-Account-Account Details-More" and select "Upgrade to Class I Account".

Investors can also go to bank outlets with their ID cards and second-class banks and handle the upgrade business through bank counters or ATMs. It should be noted that the same person can only open a Class I account in the same bank, so the premise of upgrading a Class II card to a Class I card business is that there is no Class I account in the bank name. If you already have a Class I account in the bank, you need to downgrade or cancel the existing Class I account before upgrading your business.

I. How to inquire about the bank card category:

Many investors feedback that they don't know what card their bank is or whether they hold a type of account. There are many ways to query the bank card category. Users log in to mobile banking, enter "My", click on the bank card, and some banks will display the account type above the corresponding card number. SMS can also be used to query the type of bank card. Take China Construction Bank as an example, edit the short message "CXLX# account" and send it to 95533. In addition, bank counters or bank ATMs can also be inquired.

The above contents about how to upgrade the second-class card to the first-class card, I hope to help you. Warm reminder, financial management is risky and investment needs to be cautious.

Two. There are mainly the following differences between Class I and Class II bank accounts:

1. Function: The first-level account can handle deposit, transfer, payment, investment in wealth management products, cash withdrawal and other businesses. Class II accounts can handle deposits, purchase financial products such as investment and wealth management products, and cannot access cash or transfer money to unbound accounts.

2. Limit: the use scope and amount of the first-level account are not limited, and the single-day payment limit of the second-level account is 6,543,800 yuan.

3. How many accounts can I handle? One type of account can only handle one account, and two types of accounts can handle multiple accounts.

4. Whether there is a physical card: Class I accounts have a physical card, while Class II accounts have no physical card.

5. Opening channels: Class I accounts can be opened through self-service machines such as counters, remote video ATMs and smart ATMs (identity information needs to be verified by commercial bank staff on site).

6. Category II accounts can be opened through electronic channels such as self-service machines (no need for commercial bank staff to verify identity information on site), online banking and mobile banking. From the above differences, we can generally know that the bank card of the first type account is more convenient and practical than the bank card of the second type account. Therefore, if you want to reissue a bank card and don't want to use the previous bank card, then you need to cancel the previous one, otherwise the reissued card will belong to the second-class account!

Operating environment: OPPO Reno4 5G PDPM0；; Software name: China Construction Bank; Version: 5.6.0