No, not only the Postal Savings Bank has credit cards, but other banks also have credit cards. CCB's credit card is Dragon Card, and ICBC's is Peony Card. Not all credit cards are postal currency cards.
Does China Post have a credit card?
Yes, the Postal Savings Bank started issuing Ding credit cards last year. This is their first RMB credit card. But not where there is a postal savings bank. At present, it is only issued in Beijing, Shanxi, Jiangsu, Anhui, Fujian, Henan, Hubei, Guangdong, Sichuan, Shaanxi and Shenzhen, and other regions are expected to start after the Spring Festival.
Credit card overdue:
The credit card is overdue because after using the credit card, we failed to repay the arrears arising from using the credit card within the specified date. The overdue credit card has a serious impact on us. If it is not handled well, it will probably bring us unnecessary trouble and worry us.
Usually, after our credit cards are overdue, most banks will provide time tolerance repayment and tolerance services for the credit cards in the hands of cardholders. In other words, under certain circumstances, banks allow credit card holders not to repay their loans within a certain period of time. As long as the cardholder can call the issuing bank to apply for time and pay off the arrears in full within the limited period after the repayment date stipulated by the bank, the overdue phenomenon of the cardholder will not be entered into the personal credit information system.
In fact, the law of overdue credit cards is clearly stipulated, and the impact on credit information is only the smallest aspect. Generally speaking, overdue credit cards will bring serious consequences to individuals:
The first is fines and penalty interest.
Late payment of credit cards will result in late fees and interest. The late payment fee is charged at 5% of the unpaid part of the minimum repayment amount, and the minimum fee is RMB 10 yuan or USD 1 yuan. Interest means that all consumption in the current period is charged from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until it is fully paid off. It can be seen that the overdue credit card is not cost-effective for individuals, and the economic punishment is very heavy.
Secondly, violating the criminal law may lead to imprisonment. Article 196 of the Criminal Law stipulates that in any of the following circumstances, those who engage in credit card activities with a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.
Is there a credit card for postal savings?
Postal savings has a kind of credit card, called China Postal Savings Bank 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. 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.
Extended data:
Postal savings has the following credit card functions:
1. Dual functions of one card: the functions of a credit card and a transportation card are superimposed on one card, which can be used as both a credit card and a transportation card. After installing the electronic tag, insert the card into the card slot, and the vehicle can pass through the ETC and MTC gates without stopping. If the electronic tag is not installed, it can be submitted to the field service personnel to pay the high-speed toll directly by swiping the card.
2. Charge after passing: After the customer passes through the high-speed site, the bank will automatically charge the credit card account according to the passing fee. Customers can enjoy an interest-free period of up to 50 days without deposit in advance.
3. 15% discount for high-speed payment: Cardholders can enjoy 15% discount for expressway payment in Anhui Province.
4. Meticulous and thoughtful service: There are many outlets of the Postal Savings Bank, and you can handle one-stop services such as activation, loss reporting, card replacement, account cancellation and invoice printing at any outlet of the Postal Savings Bank in Anhui Province.