Personally, I don't think it is particularly suitable for the public.
Why do you say that? Because the credit card audience of the Postal Savings Bank is actually very narrow, this means that for daily consumers, the use of credit cards in the Postal Savings Bank will be limited to some extent. If the credit card you apply for is only for daily consumption or daily travel, I don't particularly recommend applying for a credit card from the Postal Savings Bank.
Let's learn about the functions of credit cards first.
Different people will have different habits and scenarios when using credit cards, which means that everyone needs to apply for different types of credit cards according to their actual needs. No matter which bank's credit card, the basic functions of the credit card are basically the same, which means that we need to consider the additional functions of the credit card when handling the credit card. I suggest you first consider how you will use a credit card, and then apply for a suitable credit card according to your own needs.
The credit card function of the Postal Savings Bank is actually not that much.
The reason is simple, because the credit card share of the Postal Savings Bank is very low. The credit cards we often mention are mainly large banks such as Industrial and Commercial Bank of China and Ping An Bank. Their credit card business accounts for a very high proportion of the total business, and their services will naturally be more comprehensive. To some extent, handling the credit card of the Postal Savings Bank may limit some of your consumption, at least it is not so comfortable and convenient to use.
You can apply for a credit card from a commercial bank.
If you don't want to apply for a state-owned bank credit card, or feel that the function of a state-owned bank credit card is somewhat single, you can apply for credit cards from commercial banks such as Industrial Bank and Ping An Bank. I don't want to promote the credit cards of these banks, because I think the credit cards of these banks do have many functions and are also suitable for various consumption scenarios.
Finally, no matter which bank's credit card it is, I think as long as it meets your consumption needs and consumption scenarios, this bank's credit card is the most suitable credit card for you.
How about a postal credit card?
Postal credit card is a very formal loan platform, which can be used with confidence.
Postal savings credit card is a RMB credit card, which is a UnionPay standard card. It has all the functions and services of UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years and can be equipped with four supplementary cards. The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding", the background color of Puka is blue-green, and the background color of Gold Card is golden yellow.
According to statistics, by 20 10 to 10, China Postal Savings Bank had completely covered all cities, 2 100 counties, cities and major towns, and about 4,500 outlets across the country had started this business. In just a few years, China Postal Savings Bank has developed very rapidly. From its opening to 20 10 and 10, China Postal Savings Bank issued nearly 4 million loans nationwide, amounting to over 230 billion yuan, with an average loan of about 59,000 yuan. China Postal Savings Bank issued150 billion yuan in rural areas at or below the county level.
I. Types of credit cards
Pukezhubei
gold card
Ziyou yizu co-branded card
China-Delta Travel Card
China Hainan International Tourism Island Card
Postal savings travel credit card
Postal savings bank Qiandaohu tourism joint credit card
Postal savings bank Zhongyuan gourmet credit card
Anhui Communications Union Credit Card
All-currency credit card
Second, function
Optional installment payment: you can choose "any installment" bill installment and "transaction installment", with no interest and low handling fee.
Password and SMS double protection: activate the card through the 24-hour customer service hotline, set the transaction password and inquiry password online in real time, or log in to online banking for real-time online activation, which is safe and fast.
Enjoy an interest-free repayment period of up to 50 days: up to 50 days and up to 20 days, so that you can enjoy a leisurely life first.
Optional billing date: a variety of billing dates are available for you to choose, which is convenient for you to flexibly arrange repayment.
Points are permanently valid: you can spend one yuan to accumulate one point, and the points are permanently valid, and the points can be transferred and exchanged, so that various points plans can be easily realized.
Special purpose
Customers can choose "signature password" or "signature" for spending, and can make changes through customer service hotline or online banking according to their own card usage habits. If applying for monthly SMS service, cardholders can flexibly set the initial amount of notification SMS according to their actual needs, and monitor the changes of account funds in real time to ensure the safety of card use.
product value
In the process of product design, Postal Savings Bank fully draws lessons from the functions and characteristics of credit card products of other banks. On the basis of closely combining the business development status of the Postal Savings Bank, an economical, practical and distinctive credit card product was tailored for the potential customers of the Postal Savings Bank. "Convenience", "Affordability" and "Safety" are the core values of the Postal Savings Credit Card.
How about a postal credit card?
China Postal Savings Bank has a long history and is a familiar and unfamiliar bank for many small partners. How about a postal credit card? And look at the card baby to introduce you.
Postal savings card has several characteristics:
1. Debit card VIP is better than credit card.
There are as many debit cards as credit cards.
3. Activities are divided into card types and regions.
4. The basic activities are full reduction, such as Wal-Mart 100-50, JD.COM 200-100/100-30, etc.
5. The advantage is that there are fewer cardholders, and there is basically no need to grab all kinds of full discounts, supermarkets, refueling and car washing.
6. The number of outlets is the largest, which is said to exceed the sum of workers and peasants.
7. The outlets handle cards, and now some places send suitcases.
It is recommended that qualified friends make platinum, and small platinum will be gradually released. Expect the rights and interests to be improved.
1. Dingya Platinum Credit Card (Small Platinum)
Annual fee: 500 for the main card and 200 for the supplementary card. The first year is free, and the second year is 70,000 or 20. The line is 50,000-1.5 million. Released on 20 15 12 3.
Equity: 1 yuan 1 integral, valid within the validity period of the main card; Double points for birthday month and main card and supplementary card; Double points for bills and installments. All-weather unlimited road rescue, more content than usual; Domestic overpayment of loss reporting fee, card replacement fee, account cancellation fee, SMS service fee, card express fee, bill replacement fee, bill reading fee and cash withdrawal fee are free; Within 72 hours before the loss is reported, the annual limit of a single card is 6,543,800 yuan.
Platinum card VIP line 40089-88888.
2. Ding Zun Platinum Credit Card (Dabai)
Annual fee: 2600 for the main card, 0/300 for the auxiliary card, and the annual fee can be exchanged.
3.EMS joint credit card
You are not mistaken. This is a Puka, not a platinum card.
Annual fee: free of annual fee in the first year, and free of annual fee in the following year after spending 6 times.
It is divided into gold cards and ordinary cards, and 1 1 cards are issued. The first set of postal savings card and UnionPay MasterCard are not connected to EMV.
Rights and interests: every household 1800 points exchange 18 yuan EMS domestic delivery voucher, EMS official wechat orders (1% rebate).
What about postal savings credit cards? What kinds of postal savings credit cards are there?
How about a postal savings credit card? Recently, the postal savings credit card is hot, and many card friends come to consult the postal savings card! Many friends want to get a postal currency card. How about a postal credit card? Baby Ka, let me introduce you.
How about a postal savings credit card?
Postal savings credit card is a RMB credit card, which is a UnionPay standard card. It has all the functions and services of UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years and can be equipped with four supplementary cards.
1. Postal Savings Bank credit card Capka is a product for ordinary users launched by Postal Savings Bank. Based on the concepts of convenience, benefit and safety, we will create practical card types for our customers.
2. Product characteristics
Permanent free of annual fee: the main card and the auxiliary card are permanently free of annual fee, free of annual fee expenditure, and can be swiped at will.
Optional installment payment: you can choose "any installment" bill installment and "transaction installment", with no interest and low handling fee.
Password and SMS double protection: activate the card through the 24-hour customer service hotline, set the transaction password and inquiry password online in real time, or log in to online banking for real-time online activation, which is safe and fast.
Consumers enjoy the longest interest-free repayment period of 50 days: the longest is 50 days, and the shortest is 20 days, giving priority to enjoying a leisurely life.
Optional billing date: A variety of billing dates can be selected, making it convenient and flexible to arrange repayment.
Points are permanently valid: when you spend one yuan to accumulate a point, points are permanently valid, points are transferred and exchanged, and various points plans are easily realized.
Postal credit card is a kind of card that is close to the people. No annual fee, strict safety measures, long repayment period and permanent validity of points.
Card baby, I recommend three cards that are most worthy of postal use.
1. Dingya Platinum Credit Card (Small Platinum)
Issued on February 3, 20 15 with a quota of 50,000-150,000. It is recommended that qualified friends do it, and the small platinum will be gradually released. Looking forward to the improvement of rights and interests, the payroll client invites:
1. Annual fee: 500 for main card and 200 for supplementary card. The first year is free, and the second year is 70,000 or 20.
2. Rights and interests:
1 meta product 1 integral, and the main card is valid within the validity period.
Birthday month, the main card and supplementary card double points.
Double points for bills and installments.
All-weather unlimited road rescue, more content than usual.
Domestic overpayment of loss reporting fee, card replacement fee, account cancellation fee, SMS service fee, card express fee, bill replacement fee, bill reading fee and cash withdrawal fee are free.
Within 72 hours before the loss is reported, the annual limit of a single card is 6,543,800 yuan.
Platinum treatment of UnionPay: 1 yuan airport parking (10 2 hours, 3 times 48 hours), etc.
3. Application:
At present, the small platinum is gradually liberalized, and the early conditions can be high, but local social security/provident fund is also needed. Debit card VIP helps to get a watch:
Second, EMS joint credit card
It is divided into gold cards and ordinary cards, and 1 1 cards are issued. The first set of postal savings card and UnionPay MasterCard are not connected to EMV.
1. Annual fee: free in the first year, and free in the following year after spending six times.
Credit card mall redeems points every month 1800 18 yuan EMS domestic delivery voucher, and EMS official WeChat places an order (1% rebate).
2. Rights and interests:
Preferential merchants:1.5,000 or more preferential merchants enjoy preferential consumption and different concessions.
Enjoy activities: enjoy food and travel, including ticketing and hotel reservation, preferential scenic spots and high-quality tourist routes. There are discounts and cash back.
Domestic delivery: new users use EMS express, free of customer postage. Postage discount for domestic express mail for old users. Cardholders can enjoy the preferential activities of free postage from time to time in shopping malls and supermarkets.
Haitao transshipment: the corresponding membership level of China Post's overseas purchase: intermediate member of Puka City and senior member of Jinka City. You can enjoy a 10% discount on the membership price if you pay the freight with a co-branded card. And you can enjoy the discount of the corresponding membership level.
3. Card application:
Fill in the application form and you can apply. It's simple. Apply for UnionPay and MasterCard at the same time when applying (that is, UnionPay Puka and MasterCard that apply for EMS co-branded cards at the same time, or UnionPay Gold Card and MasterCard that apply for EMS co-branded cards at the same time).
Third, VIP debit card
Other VIPs are our VIPs. This is a good thing about postal savings. His VIP card can go to the VIP window of postal savings to handle business. Of course, it includes VIP debit cards of the Postal Savings Office: green cartoon gold card, platinum card and diamond card. The VIP card meets the standard: the sum of 3 months' average daily financial assets and a certain proportion of loans.
Amount: Gold card: 6.5438+10,000 yuan to 500,000 yuan (only 50,000 yuan or even less in many places)
Platinum card: 500,000 yuan to 2 million yuan.
Diamond card: more than 2 million RMB.
(General financial managers can give special approval on 15 days, but only once every two years. Platinum card or salary card can be used directly in the system. Postal savings dynamic assessment, but no management fee, but UnionPay only recognizes BIN and can participate in VIP activities)
Postal savings VIP card benefits include: preferential tariffs, medical care, insurance protection, road rescue, global VIP courtesy, etc. Much better than a credit card. Postal debit cards are as favorable as credit cards, so don't ignore them.
What about the credit card of the Postal Savings Bank?
hello
The credit card of the Postal Savings Bank is still good. After all, it is the fifth largest bank in the state, and its policies and quotas are acceptable and worth having.
How about a postal savings credit card? What kinds of credit cards are there?
1, Puka
Both the main card and the auxiliary card are permanently free of annual fees and expenses, and you can swipe your card at will. You can activate the card through the 24-hour customer service hotline, set the transaction password and inquiry password online in real time, or log in to online banking for real-time online activation, which is safe and fast.
2. Gold card
China Postal Savings Credit Card Gold Card is a standard credit card product specially developed for middle and high-end people. In addition, there are services such as revolving credit, installment consumption, cash advance and password selection. The product also has many special services, such as air ticket hotel reservation, supplementary card quota adjustment, 48-hour card loss guarantee, free transaction reminder, high cash advance, double birthday points, wonderful gift exchange and so on. It is a credit card that truly meets international standards.
3. Self-mailing group joint credit card
The self-postal credit card is a UnionPay standard RMB gold card, which was jointly signed by China Postal Savings Bank (hereinafter referred to as the Bank) and the "self-postal" brand of Guangdong Post Company. In addition to the original functions and services of our Gold Card, the products have added a series of self-service mailing services, including but not limited to vehicle violation information inquiry, handling local traffic police tickets, paying travel tax/annual ticket, handling annual renewal of driver's license and purchasing vehicle insurance. It's a credit card for our car owners to provide all-round car butler service.
4. China-Delta Travel Card
To commemorate the 60th anniversary of peaceful liberation, the Bank specially designed the "China-Damei Travel Card", which is a standard RMB personal credit card of UnionPay and the product grade is gold card. On the basis of the original functions and services of the gold card, the rich local tourism resources are superimposed, so that cardholders can enjoy the beautiful scenery and the quality and caring service of the tourist card.
5. Visit China-Hainan International Tourism Island Card.
China Hainan International Tourism Island Card is a high-quality payment tool tailored for you who like tropical island customs. Set credit card payment, discounts, consumer guide and other multiple functions in one, from food, housing, transportation, shopping, entertainment everything. While spending happily and paying easily, you can also enjoy the preferential discounts and surprises brought by our bank. Beautiful natural scenery and pleasant punching experience are all in Hainan International Tourism Island.
6. Postal savings travel credit card
Postal Savings Tongcheng Tourism Credit Card was jointly signed by Jiangsu Branch of China Postal Savings Bank and Tongcheng Tourism. Com, which aims to provide "one-stop" business travel service for customers with tourism and leisure needs. As a gold member of Tongcheng, cardholders can enjoy the existing functions and services of our credit card. Com, you can enjoy all kinds of value-added services and exclusive benefits provided by Tongcheng. com。 This product is a UnionPay standard RMB personal credit card, and the product grade is gold card. Distribution: Jiangsu Province.
7. Postal savings Qiandao Lake tourism joint credit card
The Qiandao Lake Tourism Co-branded Credit Card of China Postal Savings Bank and Chun 'an County People's Government of Zhejiang Province is the first co-branded credit card with the theme of "Qiandao Lake Tourism" in China. This card is a UnionPay standard RMB personal credit card, which is divided into two grades: gold card and ordinary card. It combines the dual functions of basic financial services and urban tourism services to meet the five comprehensive needs of cardholders when traveling in Qiandao Lake. Distribution area: the first batch is limited to Zhejiang (excluding Ningbo), Anhui, Jiangxi and Shandong provinces.
8. Postal Savings Bank Zhongyuan Food Credit Card
Zhongyuan Food Card of Postal Savings Bank is the first joint credit card with the theme of food in Henan Province jointly issued by Henan Branch of China Postal Savings Bank and Henan Restaurant and Hotel Industry Association. This card is a UnionPay standard RMB personal credit card, which is a gold card product of our bank. The validity period of the card is 3 years, the credit line is 1 0,000-10,000 yuan, and the annual fee of the card is 200 yuan/year (the annual fee is exempted in the first year, and the annual fee is exempted in the following year if the card is swiped10 times). This card combines the basic services of standard credit card and the dual functions of discount for catering merchants. Distribution: Henan Province (temporary).
9. Anhui Communications Co-branded Credit Card of Postal Savings Bank is a co-branded credit card jointly issued by China Postal Savings Bank and Anhui Expressway Networking Co., Ltd. It is the first IC credit card product in China. The card is divided into gold card and ordinary card, which has all the functions of IC credit card of Postal Savings Bank and all the rights and interests of credit cards of the same level. At the same time, it has the function of paying highway tolls with traffic cards, which can be used for parking and swiping cards on expressways in Anhui, Jiangsu, Zhejiang, Jiangxi, Fujian and other provinces and Shanghai or passing through ETC and MTC lanes. Only issued in Anhui province.
This concludes the introduction of credit cards of Postal Savings Bank and China Postal Savings Bank. Did you find the information you needed?