Why do the Postal Savings Bank’s credit cards have two cards?

If you are applying for a dual-currency card, the dual-currency cards currently issued by most banks are two cards split by UnionPay and other card issuing organizations, such as one UnionPay card and one VISA card. , so there are two cards.

1. Credit card (English: CreditCard), also called credit card. It is a non-cash transaction payment method and a simple credit service.

2. Credit cards are generally 85.60 mm long, 53.98 mm wide, and 1 mm thick, special carrier plastic cards with consumer credit. It is issued by the bank to individuals and organizations, which can be used to shop, consume with special organizations, and deposit and withdraw cash from banks. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front. The card has Chip, magnetic strip, signature strip.

3. Credit cards are issued to cardholders by banks or credit card companies based on the user’s creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases, and will pay back the card on the billing date (English: BillingDate). payment.

4. Credit cards are divided into credit cards and quasi-credit cards. A credit card is issued by a bank and gives the cardholder a certain credit limit. The cardholder can consume within the credit limit first and then A credit card for repayment; a quasi-credit card is a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, a quasi-credit card can be overdrawn within the specified credit limit. . The so-called credit card generally refers to a credit card only.

I applied for a postal credit card, but two cards came out. I don’t understand what’s going on?

One of them is an additional card with a limited credit limit or a debit card

Introduction:

1. Credit cards are divided into credit cards and quasi-loans. There are two types of debit cards, which have the characteristics of providing settlement services, facilitating shopping and consumption, and enhancing a sense of security; simplifying payment procedures and saving social labor; promoting product sales and meeting social needs. A credit card is a special credit card issued by a bank or other financial institution to those with good credit status. It is a special card used for shopping and consumption at designated merchants, or for depositing and withdrawing cash at designated banking institutions.

2. Credit status: According to the credit status, status and other credit status of the cardholder, it can be divided into ordinary cards and gold cards.

Ordinary cards: Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold card: Gold card is a high-end credit card that pays high membership fees and enjoys special benefits.

Cards are issued to those with high credit, strong repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

Why were two postal credit cards sent to me?

The two cards have different logos and different networks for swiping the card.

One is UnionPay. One is mainly used for card consumption in China;

The other is mastercard, which is mainly used for overseas card consumption (overseas UnionPay is not widely accepted). The two cards share the same limit.

In addition, do not put all credit card information online like this, as it will lead to information leakage.

Depending on the type of card, the card will naturally look different. It is recommended that the specific appearance be based on the card you apply for.

Steps to apply for a bank card:

Go to the bank with your ID card;

Fill in the application form according to the bank staff;

Fill it out The form will be handed over to the counter later;

After completing the procedures, the counter will set a password as required and give the applicant a bank card.

PSBC Credit Card

It is a RMB credit card and is a UnionPay standard card. It has all the functions and services of a UnionPay standard credit card and can be spent freely at home and abroad. The card is valid for three years and can have four supplementary cards. The main pattern on the China Postal Savings Bank credit card is the Chinese character "ding". The background color is blue-green for regular cards and golden for gold cards.

According to statistics, as of October 2010, the business of the Postal Savings Bank of China has fully covered all prefecture-level cities and 2,100 counties, cities and major towns across the country, with more than 4,500 outlets nationwide. This business has been started.

In just a few years, Postal Savings Bank of China has developed very rapidly. From its inception to October 2010, Postal Savings Bank of China loans have been issued to nearly 4 million households across the country, with an amount of more than 230 billion yuan. , with an average loan of about 59,000 yuan, the Postal Savings Bank of China has issued a total of more than 150 billion yuan in rural areas at and below the county level.

Why are there two postal credit cards?

Question 1 : How come the Postal Service has two credit cards, one primary and one secondary?

Application conditions:

Being between 18 and 60 years old, with full capacity for civil conduct;

Yes Good credit record;

Have employment income and the ability to repay.

Application materials:

Identity proof: copy of resident ID card or military officer ID;

Employment and income proof;

Other proof of financial resources: such as a copy of the real estate certificate, a copy of the driving license, a copy of the deposit receipt, etc.

Credit card application method:

Counter application:

Bring your credit certificate to the counter to apply:

Applicants are required to submit a relatively complete Submit the asset certification documents to Industrial Bank for review by the bank's backend review department;

After passing the review, fill in relevant information and identity information;

Issue a credit card.

Online banking application:

The applicant uses a savings card account under his or her name to open online banking and enter the official website of Industrial Bank;

Enter the login password and verification code. Online banking page;

Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit, the review progress and results will be displayed on the online banking;

After the review is passed , issue credit cards.

Counter application process:

Go to the bank branch where the credit card is processed, or ask the staff of the local Construction Bank Credit Card Center to fill in the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;

Submit certain copies of certificates and certificates to the card issuing bank;< /p>

After filling in the application form truthfully, you must submit relevant credit certificates together with the completed application form;

The application form is accompanied by a credit card use contract, and the applicant authorizes it The card-issuing bank or relevant departments will investigate the relevant information and submit a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have my signature;

The credit card application process is basically completed and waiting for the credit card to be issued.

Question 2: Why were two postal credit cards sent to me? This is the case.

The same is true for my credit cards at China Construction Bank and Bank of China:

1 is a gold card (used in China),

1 is a platinum multi-currency card Card (only for use outside China).

Question 3: How come there are two postal credit cards? Now the bank has canceled the dual-label card

UnionPay and credit cards must be made into two separate cards

You can check Check out the cards

One should have the UnionPay logo

The other should be a visa or MasterCard card

Question 4: I applied for a postal credit card and got two cards. Don't understand what's going on? One of them is an additional card with a limited credit limit

or a debit card

Question 5: Why are there two Postal Savings Bank credit cards? If you are applying for dual currency Cards, the dual-currency cards issued by most banks now are two cards split between UnionPay and other card issuing organizations. For example, one UnionPay card and one VISA card, so there are two cards.

There is also a set of cards, one main card and one secondary card.

Question 6: Why does China Post Credit Card have two different cards? The cards are of different types. Naturally, the cards will have different appearances. It is recommended that the specific appearance be based on the card you apply for.

Steps to apply for a bank card:

1. Bring your ID card to the bank;

2. Fill in the application form according to the bank staff;

4. After completing the procedures at the counter, set a password as required and give the applicant a bank card.

Question 7: What do the two postal credit cards mean? Is there any difference? When you apply for the first time, the two cards have different logos and different networks for swiping the card. One is UnionPay. One is mainly used for swiping purchases within China; the other is Mastercard, which is mainly used for swiping purchases overseas (overseas UnionPay is not widely accepted). The two cards share the same limit. In addition, do not put all credit card information online like this, as it will lead to information leakage.

Question 8: Postal Savings issued a credit card and received two cards. What happened? How to use it? The bank estimates that in order to complete the card issuance quota

The limit is limited, just choose one to activate

For specific annual fee information, you can call the service number on the back of the card to confirm

Question 9: If I have two post office credit cards, can I use them at the same time? I can use them at the same time, but it is recommended not to apply for 2 or more of them at the same bank, because the limit is for ***. The annual fees must be paid to each individual, so it is not cost-effective for you,,,

Question 10: With the limit of two Postal Savings Bank credit cards, you can apply for multiple credit cards at the same bank (no restrictions), but in the same If the bank applies for multiple credit cards, the credit limit will be the same and exclusive; as long as the applicant meets the bank's regulations, he or she can apply.

Let’s stop here to introduce how there are two postal credit cards.