How do I know what my ICBC card is?

ICBC customers can log in to the mobile banking APP or online banking to check the list of bank cards. If it is a card type, there is no special mark. The second type of cards will be marked with II, and the third type of cards will be marked with III. Generally speaking, ICBC has only one savings card, so this card is the first-class card by default. Only when ICBC has more than one bank card will it be divided into Class I card, Class II card and Class III card.

1. Bank card What do you mean by a first-class card and a second-class card?

A bank card is actually a settlement account. Its functions are comprehensive, and its application scope, usage quota and account balance are not limited.

The second-class bank card, as its name implies, is the second-class settlement account, which is generally a convenient financial account. Through the second-class bank card, investment, transfer and consumption can be made. However, the second-class bank card is limited. If the second-class bank card transfers money to an unbound account, the daily transfer limit is 6,543,800 yuan, and the annual transfer limit is 200,000 yuan.

2. What's the difference between a first-class card and a second-class card?

There are differences between the first-class card and the second-class card in terms of opening channels, quantity restrictions, functional scope and usage quota.

1. Open channels. The opening of a class of bank cards must be verified in person at the bank counter; There are many channels to open second-class bank cards. Cardholders can choose to go to the bank counter in person or inquire about the opening through electronic channels such as mobile banking. You can choose according to your actual situation.

2. Number of accounts opened. According to the relevant regulations, a person can only open a type of bank card account in one bank with his ID card; However, you can open more than one second-class bank card. At present, you can generally open up to four second-class cards.

3. Functional scope. One type of card has the most functions, and one type of card can be said to be a full-function account, and there is no scope limit when handling business; Compared with the first-class card, the second-class bank card is a restricted function account with limited business scope. For example, the second-class bank card does not support large-sum transfer, bank-securities transfer and cross-border remittance.

4. Quota restrictions. The limit of the first-class card and the second-class card is also different. A class of bank cards does not limit the amount when handling transfer, consumer payment and other services; Different from the first-class card, the second-class bank card has a limit when handling business such as transfer and consumer payment.

Of course, there are three types of cards besides Class I and Class II cards. Class III cards are electronic accounts launched by banks. Without a physical card, it can be opened at the counter or through online channels, and the amount of Class III cards will be limited.