First of all, after the Postal Bank credit card is overdue, if the customer wants to negotiate for repayment, he or she can apply for an interest suspension, that is, no interest will be accrued on the outstanding balance in the future; or they can try to apply for extending the repayment period and repaying in installments.

Secondly, during the negotiation process, the customer needs to make it clear that the individual is temporarily unable to repay the loan, and provide certain supporting documents (such as unemployment certificate) to prove that he did not intentionally delay repayment, and at the same time, he needs to express himself positive willingness to repay. This way the bank will consider it as appropriate.

PSBC Credit Card

PSBC Credit Card is a RMB credit card and is a UnionPay standard card. It has all the functions and services of a UnionPay standard credit card and can be used domestically. It can be used for free consumption outside the country. The card is valid for three years and can have four supplementary cards. The main pattern of the Postal Savings Bank of China credit card is the Chinese character "ding", the background color of the regular card is blue-green, and the background color of the gold card is golden yellow.

According to statistics, as of October 2010, the small loan business of the Postal Savings Bank of China has fully covered all prefectures and cities and 2,100 counties, cities and major towns across the country. Nationwide, there are approximately 4,500 Several outlets have launched this service. In just a few years, the Postal Savings Bank of China has developed very rapidly. From the launch of its business to October 2010, the Postal Savings Bank of China has issued loans to nearly 4 million households across the country, with an amount of more than 230 billion yuan, with an average loan of about 5.9 Ten thousand yuan, the Postal Savings Bank of China has distributed more than 150 billion yuan in rural areas at and below county level.

Type introduction

Introduction

Postal Savings Bank Qiandao Lake Tourism Co-branded Credit Card is jointly issued by Postal Savings Bank of China and the People's Government of Chun'an County, Zhejiang Province. The first co-branded credit card with the theme of "Thousand Island Lake Tourism". The card is a UnionPay standard RMB personal credit card, divided into two levels: gold card and regular card. It integrates the dual functions of basic financial services and urban tourism services to meet the needs of cardholders when traveling to Qiandao Lake. Comprehensive needs in five categories: ", shopping, and entertainment". Issuance area: The first batch is limited to Zhejiang (excluding Ningbo), Anhui, Jiangxi, and Shandong provinces.

Card surface design

The card surface visual design of Postal Savings Bank Qiandao Lake Tourist Card is mainly based on the most representative "Thousand Islands" scenery of Qiandao Lake in Chun'an County, showing the beautiful scenery of Qiandao Lake. Charming views. The Postal Savings Bank of China logo is printed on the upper left side of the front of the card, and the Qiandao Lake tourism theme logo and the product name "Qiandao Lake Tourism Card" are printed on the upper right side, highlighting the "Qiandao Lake Tourism" theme of the product. The main picture is quiet, and the design is supplemented by dynamic brushstrokes and irregular lines to make the card surface rich and lively, showing a free and flexible meaning, which fits the "travel" theme. At the same time, traditional brushes are used as auxiliary shapes to highlight Chun'an County It has a long history of "Jinshan beautiful water, famous literature country".

The background color of the Pukaka surface is blue-green, which represents the blue sky, the evergreen Thousand Islands and the clear lake water. The mountains and lakes echo each other, and blue and green complement each other.

The background color of the Gold Card card surface is golden, which echoes the colors of the lakes and mountains on the main screen, making it even more brilliant and eye-catching, highlighting the noble status of the Gold Card holder.