How to check the first and second types of postal currency cards

There are mainly the following methods to distinguish:

1. Check through the bank counter, bring your ID card and bank card to a nearby bank outlet, and the staff will tell the user what kind of bank account it is.

2. For telephone inquiry, you can call the bank's customer service hotline, connect to the manual service, and provide the bank card number for inquiry.

3. Inquire through mobile banking, download and log in to the official mobile phone app of the bank. In your own account, you can view the bank card account category.

4. Inquire through online banking, enter the bank official website, log in to your personal account, and inquire about bank card details.

The upgrade method of the second-class postal currency card: you can upgrade your account directly at the counter.

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Details of Class I and Class II cards are as follows:

1. Only one account can be processed for Class I accounts. A Class I account refers to an account that is opened through the traditional bank counter and meets all the strict requirements in real-name registration system. Its functions include deposit, purchase of wealth management products, withdrawal of cash, transfer, consumption and payment.

2. The second family can't access cash or transfer money to an unbound account. The daily payment limit of such accounts is 654.38+00000 yuan, and so is the credit card.

3. Class II households do not have physical cards, which is restricted by banks and effectively controls the risk of customers' funds.

The specific difference between the first type card and the second type card lies in the different support services; The businesses that Class II households do not support include third-party depository, bank insurance, bank-securities transfer, foreign currency deposit and withdrawal, electronic cash account, and easy consumption and turnover. In addition to the above unsupported businesses, other businesses include professional edition, foreign exchange settlement and sale, fund, wealth management, cash deposit and withdrawal, loan issuance and repayment, online payment and consumption abroad. Get support; Personal wage income, large transfer, bank-securities transfer, and payment and payment of medical insurance, social insurance, pension, provident fund and other businesses must be handled through a class of households.

Matters needing attention

1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it for safety reasons and notify the bank immediately;

2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks;

It is best to store the bank card and ID card separately. Don't lend your bank card to others, and don't disclose your bank card number and password at will.

4. When spending by credit card, don't let the bank card leave your sight, pay attention to the number of times the cashier swipes the card, and when you get the shopping list and card, check whether the amount on the shopping list is correct and whether it is my card;

5. Open SMS service, keep abreast of account changes, and immediately call the bank to report the loss once abnormal transactions are found;

6. If you suspect that the funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in time.

7. Bank cards should not be placed with mobile phones, televisions, stereos, microwave ovens and other electrical appliances with strong magnetic fields. It's better to put them far away. Don't put multiple bank cards and passbooks together.

8. Try to separate the cards with pieces of paper to play the role of spacing.

9. You can use a special bank card case or anti-magnetic card case.

The same bank cannot open more than 4 cards.

On February 20 15, the China Banking Regulatory Commission issued the Notice on Matters Related to the Banking Industry's Combating and Governing New Crimes in Telecommunication Networks (hereinafter referred to as the Notice). According to the circular, starting from 20 16 1, in principle, no more than four debit cards will be opened by the same customer in the same institution. At the same time, the notice also stipulates that "in principle, the same agent shall not open more than three cards in the same commercial bank. The debit card opened by the agent can only be used after the agent activates his valid identity document at the counter. "

The notice also requires that for customers who already have more than four debit cards, banks should take the initiative to contact customers for verification, and if they find that they are unwilling to handle it, they should suspend their services.