What are the conditions for China Post to apply for a credit card? What materials are needed?

China Post can apply for credit cards.

The conditions for applying for credit are as follows:

1. Be over 18 years old;

2. Have a stable source of income;

Apply Materials required for Postal Savings Bank Credit Card:

Application materials include but are not limited to personal identity certificate, copy of ID card, work certificate stamped with company seal, employee work badge and other income certificates, property certificate, Personal deposits, financial products, stocks, real estate certificates, vehicle certificates, etc. It should be noted that if you want to successfully apply for a Postal Savings Bank credit card or if you want to apply for a credit card with a high initial limit, you can try to provide it when submitting the card application.

What is the general postal credit card limit?

It mainly depends on the income and assets of the card holder, and the specific bank regulations. The limits of various cards are listed below for reference:

1. The general card limits of Postal Savings Bank of China credit cards are 2,000 to 50,000.

2. The limit of Postal Savings Bank of China Credit Card Gold Card is less than 100,000.

3. The credit limit of Postal Savings Bank of China Platinum Credit Card ranges from 100,000 to one million. The required financial proofs include: large time deposit certificate, real estate certificate, vehicle driving license, enterprise business license, etc.

The Postal Savings Bank of China was officially established on March 20, 2007. It is the fifth largest bank in China and a state-owned commercial bank established on the basis of the reform of the postal savings management system. Postal Savings Bank of China inherited the postal financial business operated by the former State Post Bureau and China Post Group Corporation and the resulting assets and liabilities.

The ems co-branded card is a bank card jointly issued by the Postal Savings Bank of China and China Postal Savings Bank.

The EMS co-branded card is a national co-branded credit card jointly developed and issued by the Postal Savings Bank of China and China Postal Express Logistics. , including three levels: regular card, gold card and platinum card, covering the two major card organizations, UnionPay and MasterCard.

This product is mainly aimed at overseas consumers, overseas shopping consumers and domestic delivery customers. Card holders can enjoy multiple benefits such as domestic delivery discounts, China Post overseas shopping membership services, and MasterCard overseas consumption cash rebates. .

EMS co-branded card

Card face design:

The card face is designed based on the fast service and wide service area of ??EMS. Through the dotted map, With the streamlined curve and the combination of virtual and real, it intuitively reflects the strong advantages of EMS in terms of wide service range, speed and convenience, and also highlights the concept of global enjoyment with EMS co-branded cards.

Product features:

The service is very comfortable: one account with two primary cards, and enjoy dual benefits from UnionPay and MasterCard

Overseas shopping is worry-free: China Post Overseas shopping provides you with preferential, safe and convenient overseas shopping transfer services

Payment is very considerate: EMS Mastercard can enjoy cash rebates for overseas purchases, up to US$1,000 per year

Shipment Very reassuring: Newly issued cards are shipped by EMS express, free of delivery fees

The annual fee is heart-warming: EMS MasterCard is free of annual fees for life, and EMS UnionPay cards have the same annual fee as standard ordinary cards and standard gold cards. , Dingya Platinum Card

Cash withdrawal handling fee discount: The first domestic cash withdrawal from a local bank in each billing month is free of handling fee

Domestic delivery discount: EMS UnionPay cards can enjoy EMS delivery discounts , regular and gold cards enjoy a 20% discount (maximum discount of 5 yuan per order), and platinum cards enjoy a 30% discount (maximum discount of 8 yuan per order), no more than 12 times throughout the year.

Which postal credit card application is better

1 Card applicants can choose a credit card with no annual fee or a credit card with an annual fee that can be offset, among which Dingya Platinum Credit Card (Little Platinum) , EMS co-branded credit cards are relatively good, and users can judge according to their own needs.

2 Choose a credit card with a higher starting limit, so that no matter what kind of platinum card it is, at least the limit is guaranteed. There are still relatively few requirements for provident fund-related qualifications, so card applicants have a greater chance of passing their application.

Postal Savings Bank of China is a large retail commercial bank in China. It was established on March 6, 2007 and is headquartered in Xicheng District, Beijing.

Formerly known as the Postal Savings Bank; in 2016, the Postal Savings Bank was successfully listed on the Main Board of the Hong Kong Stock Exchange. Mainly engaged in banking and financial services business.

On the evening of October 28, 2021, Postal Savings Bank disclosed its third quarter report. The company’s third quarter operating income was 80.705 billion yuan, a year-on-year increase of 1.543%; net profit was 23.497 billion yuan, a year-on-year increase of 22.47%. Net profit in the first three quarters was 64.507 billion yuan, a year-on-year increase of 22.07%.

Company Profile

In accordance with the overall arrangements for the financial system reform of the State Council, and on the basis of reforming the original postal savings management system, in March 2007, the Postal Savings Bank of China Co., Ltd. The company was officially established. On January 21, 2012, with the consent of the State Council and the approval of the China Banking Regulatory Commission, the Postal Savings Bank of China Co., Ltd. was legally renamed as the Postal Savings Bank of China Co., Ltd.

The young Postal Savings Bank has a history of nearly a hundred years. In 1919, the Postal Savings Bureau, the predecessor of the Postal Savings Bank of China, was established to start the postal savings business. In 1942, the Savings and Exchange Bureau became an important part of the six major financial pillars at that time: "Four Banks and Two Bureaus". In the early days of the founding of the People's Republic of China, the postal savings business was discontinued in 1953, and the postal service continued to handle remittance business. In 1986, postal savings were officially resumed.

With the care and support of governments at all levels, financial regulatory authorities and all sectors of society, the Postal Savings Bank of China adheres to the concept of inclusive finance and consciously assumes the responsibility of "reaching urban and rural areas and benefiting the people" With social responsibility, we have embarked on a characteristic development path that serves "agriculture, rural areas and farmers", small and medium-sized enterprises, and the community.

Postal Savings Bank of China has become the commercial bank with the largest branch network, the widest coverage, and the largest number of customers served in the country. As of the end of June 2015, Postal Savings Bank has more than 40,000 business outlets, and has built an electronic financial service network including online banking, mobile banking, telephone banking, TV banking, WeChat banking, WeChat banking and Yixin Bank. Its tentacles cover vast urban and rural areas, serving nearly 490 million customers.

This concludes the introduction to the Postal EMS Credit Card and the Postal EMS Credit Card Gold Card. Have you found the information you need?