As we all know, the Postal Savings Bank is one of the most widely distributed banks in China. Many towns and villages have Postal Savings Banks, which bring a lot of financial convenience to people's lives. If you only work and live in the Postal Savings Bank, only one bank can choose to apply for a credit card. Today, I will introduce you to the general credit card limit of the Postal Savings Bank, and give you some skills to improve the limit.
The credit card limit is related to the applicant's credit status and the card level applied for. From the perspective of different card grades, the credit card quota of Postal Savings Bank follows the following quota division standards:
1, Puka, maximum amount 10000 Yuan, minimum amount 0 yuan. College students have a higher probability of getting a zero-quota card;
2. Gold card, the maximum amount is 50,000 yuan, and the specific initial credit line depends on the credit conditions;
3. Platinum card, with a minimum amount of 50,000 yuan. The better the credit conditions, the higher the credit limit, and the upper limit can reach one million.
The initial credit limit of the Postal Savings Bank is generally determined by the bank according to the applicant's credit situation, so unlucky cardholders will inevitably encounter low credit limit. However, the credit card limit is not permanent, and it can be increased by using the card well. Introduce some credit card quota promotion skills of Postal Savings Bank for your reference:
1, daily multi-purpose card, regardless of the amount, try to diversify the transaction types;
2. Avoid the suspicion of cashing out and normalize daily transactions, especially the cashing intermediary can't touch it;
3. Repayment must be timely, which will lead to overdue and affect personal credit, and the withdrawal amount is hopeless;
How to inquire about the credit card limit of Postal Savings Bank
After the Postal Savings Bank successfully applies for a credit card, you can inquire about the credit card limit, mainly in the following ways:
1. Log in to the online banking of Postal Savings Bank for inquiry. After self-service online banking registration, log in to personal online banking again to inquire about the credit limit;
2. Call the postal credit card customer service phone for inquiry. Call the customer service hotline, transfer to manual service, and check the credit limit;
Go to the bank counter and ask the clerk for help.
What are the ways to inquire about the credit card limit of Postal Savings Bank?
What are the ways to inquire about the credit card limit of Postal Savings Bank? Many card friends don't understand this. Next, aiming at these problems, Bian Xiao will give you a brief introduction.
1. Check the credit card limit of Postal Savings Bank online.
Log in to the personal online bank of China Postal Savings Bank, select the "Credit Card" service, click the "Account Inquiry" function under the "My Credit Card" column, and then select the credit card account you want to inquire, so you can inquire about the total amount, available amount, withdrawal amount and other information of your credit card.
Two, telephone inquiry postal savings bank credit card limit.
Call the Postal Savings Bank credit card customer service number (400-88-95580) and follow the self-service voice prompts. You can also check the outstanding bills of your credit card, bills issued within 6 months, available credit limit, available cash withdrawal limit, account information, points, etc.
Three, SMS query postal savings bank credit card limit
Registered customers of Postal Savings Mobile Banking can also edit the short message "EDCX# Last Four Credits" with their mobile phones, such as "EDCX# 1234", and send it to 95580 to inquire about the current available credit limit of your credit card.
Self-service machine (ATM, deposit and withdrawal machine) inquiry. Self-service machines (ATMs, ATMs) can be used to query the balance of electronic cash and the latest details of 10 electronic cash transactions.
5.POS query. Through POS query, you can query the electronic cash balance and the latest 10 electronic cash transaction details.
How to increase the postal credit card limit
1. The credit card limit of the Postal Savings Bank is determined by many factors. The Postal Savings Bank will verify the credit card limit according to the information and credit status provided by the credit card holder at the time of application, which is the maximum limit for the cardholder to overdraw consumption and withdraw cash. For holders of multiple credit cards issued by postal savings, the maximum credit limit of each credit card held in the cardholder's name is used as the credit limit, not the sum of the credit limits of multiple credit cards.
2. If there is a big consumer demand in a short time, you can call the Postal Savings Credit Card Customer Service Hotline at 400-88-95580 to ask for a temporary increase in the quota. Those who meet the conditions for the temporary quota adjustment of the Postal Savings Bank can realize the temporary quota adjustment within 24 hours. The temporary credit line is valid for 30 days, and the credit line will be automatically restored to the original credit line after expiration.
3. If there is a long-term need to increase the credit limit, you can call the credit card customer service hotline at 400-88-95580, and the Postal Savings Bank will handle the permanent adjustment demand in time according to the cardholder's credit card status and credit standing.