You can't. China Postal Savings Bank has a working schedule every day. The normal reception hours of the business hall are from 9 am to 17 am. During this period, the business hall can handle all business. Therefore, if you want to apply for a postal credit card, you can only do it during bank working hours during the day, and you can't make a phone call at night. 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.