The Postal Savings Office applied for a credit card and received two cards. What happened?
The Postal Savings Office applied for a credit card and received two cards. What happened?
1. It may be a primary card and a secondary card. The primary card is the credit card I applied for, and the secondary card is the credit card linked under the primary card. The cardholder and the primary card holder People are different, that is, if the main card is you, you can apply for a secondary card for your children, parents, etc. The two cards have the same nature and the same type, and the credit limit is also the same. If you spend , the consumption limit is also reflected on the main card. In short, the relationship between the primary and secondary cards must be the closest relationship. To put it bluntly, there are two people with one card.
2. The two cards have different logos and different networks for swiping card purchases.
One is UnionPay, which is mainly used for swiping card purchases in China; the other one is Mastercard is mainly used for overseas card consumption (overseas UnionPay is not widely accepted). The two cards share the same limit. In addition, don’t put all credit card information online like this, as it will lead to information leakage. Different card types will naturally have different appearances. It is recommended that the specific appearance be based on the card you apply for.
3. 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;
3. Fill out the form and hand it over to the counter;
4. After completing the procedures at the counter, set a password as required and give the applicant a bank card.
Why did I apply for a credit card at China Construction Bank and send two of them?
Two cards under the multi-currency credit card:
One RMB UnionPay card; Foreign currency card.
What should I do if I have just applied for a postal savings card and it is not a credit card?
Deposit cards are different from credit cards, so go to the bank to apply for a credit card
Why can’t I find the information for a Postal Savings Bank card?
Hello
Based on your question
Please apply for a bank card from the relevant bank Only then can you check
Please know
The limit of two Postal Savings Bank credit cards
You can apply for multiple credit cards at the same bank (no restrictions), but you can apply for multiple credit cards at the same bank. 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.
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 between 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, and can be used to shop, consume, and deposit and withdraw cash from the bank. 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 payment will be made on the billing date (English: BillingDate) Repayment.
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.
Why did I apply for a credit card in mobile banking and received two credit cards?
7. The shadow of the lone sail in the distance is gone in the blue sky, and only the Yangtze River can be seen flowing in the sky.
(Li Bai's "Yellow Crane Tower Sends Meng Haoran to Guangling") 8. The moon is setting, crows are crying, and the sky is full of frost. Jiang Feng fishes and fires to worry about sleep; (Zhang Ji's "Night Mooring on the Maple Bridge")
Why is the Postal Savings Bank's credit card rejected immediately?
Postal Savings Bank What's the matter with credit card instant rejection? Credit card business is becoming more and more common. In order to expand the credit card business, major banks have launched a wide variety of credit cards, and the Postal Savings Bank is no exception. The Postal Savings Credit Card has a wide range of card types, such as Hainan International Tourism Island Card, Damei Travel Card, Zhongyuan Food credit cards, transportation co-branded credit cards, and other credit cards with various functions.
It is very simple to apply for a Postal Savings Bank credit card, just fill in the application information online. I have heard many netizens complain about being rejected instantly when applying for a credit card online. Now I will explain to you how to avoid instant rejection.
1. Do not apply for the same credit card from your peers repeatedly.
Under normal circumstances, if an applicant repeatedly applies for the same credit card from a peer, the bank will reject the application based on the results of the first application. Therefore, it is recommended that friends try to apply for other credit cards from the same bank when applying for a card again. If you really only want this type of credit card, you can apply for the same type of credit card from another bank.
2. The longer the application interval, the better.
After the initial card application fails, you should wait at least three months before applying again. Because from the bank's point of view, the applicant's qualifications will not change significantly within three months, so they will basically refer to the first reason for rejection. The longer the interval, the bank will reconsider the applicant's qualifications. At this time, adding some financial proof materials can effectively improve the success rate of card application.
3. Check your personal credit report before applying
Some people have never used a credit card, and their first application was rejected because of problems with their credit report. How can I have problems with my credit report if I have never used a credit card? In fact, your mortgage, car loan, and installment purchases are closely related to your credit record. No matter where there is a problem, it will affect your application for a credit card.
I suggest that if there is an overdue record in your personal credit report, it is best to apply for a credit card two years after repaying the loan on time. Postal Savings Bank will generally only refer to the applicant's repayment status within two years.
Why is Postal Savings Bank deducting 20 yuan for credit card withdrawals?
Postal Bank credit card cash withdrawal handling fee: The bank's cash withdrawal fee is 1% of the amount, with a minimum of 10 yuan
< p>Are the two credit card limits of Postal Savings Bank exclusive?The two credit card limits of Postal Savings Bank are exclusive.
The credit limits of fellow credit cards are all exclusive. The specific limit is based on the higher of the two cards.
For example, the limit of one credit card is 10,000, and the limit of another postal credit card is 20,000, then the overdraft amount of these two credit cards totals 20,000 and the usage amount of the two cards is similar. Add, instead of separately one can overdraft 10,000, and one can overdraft 20,000.
The credit card limit is also commonly referred to as the available limit of a credit card. It refers to the maximum amount that can be used by the credit card you hold. It includes Credit limit (that is, the maximum limit that a credit card can be used for overdraft) and the amount of money deposited on the credit card.
Extended information
In fact, every credit card has a hidden over-limit limit. When the credit card is maxed out, it is easy to use the over-limit limit. Once the over-limit limit is used, , which means paying high over-limit fees.
Many consumers are not sure about the shopping process and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit. The minimum repayment amount must be sufficient to avoid late payment fees
In daily life, we often encounter inoperable situations. At this time, we can choose to pay the minimum repayment limit, so as to ensure that our personal credit record will not be affected, and at the same time, we will not incur too many late fees. However, special attention should be paid to the fact that the minimum repayment amount must be paid in full, otherwise you will encounter high late payment fees.
Usage Notes:
1. The overdraft interest is 0.5% of the daily interest rate, and the interest is compounded monthly.
2. If you pay with a credit card in full before the payment due date, you can enjoy interest-free, that is, there is no interest.
3. If you only pay the minimum repayment amount, you will not receive this treatment. Interest will be charged from the next day after consumption. If you withdraw cash, it does not matter whether the full payment is made before the due payment date. Interest is unavoidable and will be charged at 0.5% on the day.
4. If the payment is overdue, there will be a late fee, which is a one-time charge of 5% of the unpaid portion of the minimum repayment amount. < /p>
Application requirements:
Being between 18 and 60 years old, with full capacity for civil conduct;
Have a good credit record;
Yes Income from work and 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: Why do you have two postal credit cards? Now that banks have canceled dual-label cards
UnionPay and foreign currency credit cards must be made separately.
You Check 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 two cards came out , 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? Card types are different. 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;
< p>3. Fill out the form and hand it over to the counter;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.
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 between 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, and can be used to shop, consume, and deposit and withdraw cash from the bank. 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.
Can the two credit card limits of the Postal Savings Bank be shared?
The two credit card limits of the Postal Savings Bank can be shared
The credit limits of fellow credit cards are all exclusive. The specific limit is based on the higher of the two cards. For example, if the limit of one of your credit cards is 10,000, and the limit of another postal credit card is 20,000, then the overdraft amount of these two credit cards will total 20,000, and it will be the sum of the usage amounts of the two cards, rather than one separately. Zhang can have an overdraft of 10,000, and one can have an overdraft of 20,000.
Credit card limit, also known as the available limit of a credit card, refers to the maximum amount that can be used by the credit card you hold. It includes the credit limit (i.e. the maximum credit limit of the credit card). The limit that can be used for overdraft) and the amount deposited on the credit card.
Methods to increase your credit limit
1. Swipe your credit card frequently, more often, and almost max it out every month.
2. Make timely repayments and leave a good credit record.
3. Frequent installment payments and payment handling fees make the bank feel profitable.
4. Call the bank customer service to request a temporary increase in credit limit.
China Post Bank
That’s it for the introduction of 2 postal credit cards.