How to query the bank card category?

1. upgrading a second-class card to a 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".

2. 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.

3. 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 tier-one account in the bank, you need to downgrade or cancel the existing tier-one account before upgrading your business.

2. How to query the bank card category?

1. Many investors feedback that they don't know what card their bank is, and they don't know whether they hold a first-class account. There are many ways to query the bank card category.

2. The user logs into mobile banking, inputs "My" and clicks on the bank card. 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.

1. Differences among three bank cards

1.Ⅰ card: it is a physical card or passbook. This card, like the cards before 20 16 12, has no restrictions on the functions of the bank card. You can access cash, finance, transfer money, pay and pay fees.

2. Class II account: it is a personal "wealth management account", which can be bound to Class I account and can be used for investment and wealth management without restrictions, but there are restrictions on consumption and payment access. The maximum amount of cash deposit and withdrawal is 65,438+00,000, and the transfer, cash deposit and withdrawal, consumption and payment during the year do not exceed 200,000.

3. Class 3. III account: the positioning is a coin purse; Generally, it is in the form of electronic card, which is mainly used for fast payment and small payment. The balance of the tertiary account shall not exceed RMB 65,438+0,000.

2. How to distinguish the first, second and third types of accounts?

If the bank card is handled in the form of passbook, it must be a Class I card.

Code difference: Class I and Class II cards have different account codes and different code types.