Current location - Education and Training Encyclopedia - Resume - Hello, I used to apply for a bank card. Can I apply for another one now?
Hello, I used to apply for a bank card. Can I apply for another one now?
Yes, you can.

If you used to have a new card, just apply for another one now. Generally speaking, it is reasonable and legal to apply for no more than three cards in a bank.

You can ask these people directly at the counter, and they will tell you how to handle this CCB card.

In fact, I personally think that if there is no special demand for a CCB card you used to have, I think you can continue to use that card. Or change some information in it, and then meet your current needs. You can ask, there is no need to make a few copies.

Of course. You can have more than one credit card or savings card, but there are some restrictions now.

1, savings card

Take building behavior as an example. I had a Guangdong CCB card when I was in college. It's been years. I didn't know what card it was at that time, and it wasn't graded. Then I graduated and went to Nanjing. The company needed a bank card as a salary card, and I got another one.

But this time, the bank staff said that only the second-class card can be handled now, and my original card is a first-class card, which is related to the account, not a card. It means that even though I cancelled my original card in Guangdong, I still applied for a second-class card.

Today, I bought a house in my hometown, and I need to apply for a loan in CCB with a CCB card. The staff still handled the second-class card. There are some differences in authority between the second-class card and the first-class card, mainly reflected in the transaction limit, but as long as it is not a big customer, the problem is not big.

Second, credit cards.

Like a savings card, you need to open an account to apply for a credit card. Cancelling the card is also distributing the card and canceling the account.

The same credit card is divided into main card and supplementary card. A customer can handle multiple credit cards in a bank, but only one account.

According to the second point of China's "Notice on Matters Related to Banking Combating and Governing New Crimes in Telecommunication Networks", in principle, the same commercial bank may not open more than four debit cards for the same customer. Therefore, it is in line with the regulations to apply for two savings cards. If the peers handle more than 4 bank cards, the service will be stopped. In other words, up to four bank cards of the same bank can be bound under one ID card name.

1, we often say that bank cards are generally savings cards, whose main function is to save deposits. Cardholders can realize credit card consumption, ATM withdrawal, transfer and various payment functions through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card, and the expenses incurred through the card are equal to the reduction of the balance of the savings account.

If the account balance is zero, the payment function of the card will also be reduced to zero. The application for a savings card is very simple, and you can get it right away without bank approval.

2. When handling a savings card, you must show your valid ID card (such as ID card or driver's license) to any branch of the bank. You must open a current account first. The account balance shall not be less than 10 yuan. Unstamped withdrawal account. Non-loss-reporting account, frozen account and normal account status.