China Postal Savings Bank applies for increasing the credit card limit;
1. Adjustment of permanent credit line: When a credit card holder needs to increase the credit line, he can call the credit card customer service hotline, and China Postal Savings Bank will handle the adjustment of permanent credit line in time according to the credit card status and credit standing of the cardholder.
2. Temporary quota adjustment: If the credit card holder has a large consumption demand in a short time, he can call the credit card customer service hotline and ask for a temporary increase in the quota, which meets the conditions for temporary quota adjustment, and the temporary quota adjustment can be realized 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.
China Postal Savings Credit Card Limit Rules: China Postal Savings Bank will verify the credit card limit according to the information and credit status provided by credit card holders when applying, which is the maximum limit for cardholders to use for overdraft consumption and cash withdrawal. For holders of multiple credit cards issued by China Postal Savings Bank, the maximum credit limit of a single 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.
How to increase the temporary credit limit of the Postal Savings Bank?
Postal Bank credit card increases the temporary limit: 1, and applies by calling the bank's customer service phone: at present, more application methods are used. After applying in this way, bank customer service staff can generally increase the credit limit for cardholders on the spot after verifying their identity. 2. Apply through online banking: Generally, it can increase by about 10% on the original basis, but at present, relatively few people apply through this method. 3. Application by the credit card department of the bank: the cardholder needs to provide relevant information such as asset certificates, and the specific amount that can be applied for is not fixed. 1. After the cardholder's application is approved, the increased amount is generally 20% to 50% of the existing amount. 2. The upward adjustment period of the temporary limit is usually a billing period, that is, one month, and the longest is not more than three months. 3. After the temporary limit expires, the credit card limit will be restored to the original credit limit. 4. No matter which application method is adopted, if the bank has taken the initiative to increase the cardholder's permanent limit recently, the bank will not increase the limit for the time being. When this happens, the cardholder can swipe the card for a period of time, and then ask the bank for a temporary increase in the quota, and generally the application can be successful.
How to operate the cash withdrawal limit of postal credit card?
There are two methods of operation:
1) temporarily increase the quota. If there is a large consumer demand in a short time, you can call the Postal Savings Credit Card Customer Service Hotline at 400-888-95580 to increase the temporary quota. Those who meet the temporary adjustment conditions of the Postal Savings Bank can realize temporary adjustment within 24 hours. The temporary period is 30 days. Upon expiration, the credit limit will be automatically restored to the original limit.
2) Long-term quota increase. If you need to increase the credit limit for a long time, you can call the credit card customer service hotline at 400-888-95580. The Postal Savings Bank will promptly handle the demand for permanent amount adjustment according to the credit card status and credit status of the cardholder.
1. There are several conditions for the withdrawal: when using a credit card, the repayment record should be kept and not overdue; Try to use postal credit card for consumption, and the amount of bill consumption in each period will not exceed 70%-80% after being controlled within a certain proportion; Properly handle some bills in installments or large installments.
2. Cardholders can usually contact the official customer service department of Postal Savings Bank to apply for increasing the limit after using it for a period of time. In addition, credit cards are valid for 3 months and 6 months.
1. Postal credit card limit rules: When applying for a credit card, the Postal Savings Bank will verify the credit card limit according to the information provided by the cardholder and the credit status. This limit is the maximum limit for cardholders to overdraw and withdraw cash. If you hold more than one postal savings credit card, the credit limit should be based on the maximum credit card held by the cardholder, not the total amount of multiple credit cards.
2. In order to ensure the safety of credit card holders, the daily withdrawal amount of ATM terminals shall not exceed 2,000 yuan. You need to withdraw more than 2000 yuan from the exit. When withdrawing more than 1 10,000 yuan in cash, you need to provide identification documents.
3. The credit card limit of Postal Savings Bank is related to the credit card grade: the credit card limit of China Postal Savings Bank is between 20-50,000 yuan. The credit card gold card quota of China Postal Savings Bank ranges from 6,543,800 yuan to 6,543,800 yuan. The amount of platinum card of China Postal Savings Bank credit card exceeds 654.38+10,000 yuan.
4. According to the reaction of credit card users of Postal Savings Bank, the general card amount is between 2000 and 5000, the gold card is below 6,543.8+million, and the platinum card is between 654.38+ 0,000-654.38+0,000. Gold card needs strong real estate license, such as ordinary large deposit certificate, real estate license, motor vehicle driver's license, company business license, etc. The number of credit cards issued by different banks will be different, and different types of credit cards in the same bank will be different, but it will be easier and more advanced to add your own financial certificate.
5. If the reward amount is not high, it is recommended not to abandon the card. The correct posture should be to continue to use! Tell you some ways to increase the amount. The first time you apply for withdrawal, you can't use the postal credit card until half a year after you open the card. Whether it is large or small, you can use it as soon as possible, and try to use 80% of the reward amount. If you buy a car or a house, you can also provide these information to the bank for easy extraction.
How to increase the postal credit card limit
There are skills in swiping cards, which are summarized as follows:
1, the frequency of swiping cards should be high, and 20% is guaranteed. The higher the proportion of bills, the greater the withdrawal amount (generally, the withdrawal amount is 10%, but once the bills are high, it reaches 50%), but it should be cyclic and gradual, from 50% to 80%, and then to 100%.
2. After the introduction of the bill, it can be divided into three stages. So let's see if you are willing to give up the handling fee.
For merchants, I don't think the postal service is biased towards anything, just brush it normally, or don't brush it wholesale.
The total upgrade skills are as follows:
1, postal installment has a good effect on cash withdrawal, generally more than 2000 yuan can be divided into six months. But personally, I think it's better to divide it twice. By the way, it's bill installment, not cash installment. Cash installment can only be done by inviting customers. It is best to pay in installments one month before the withdrawal date.
2. The time of extraction and quota is once every six months. You can call customer service to adjust the amount independently. You can't withdraw cash after the installment. You can call to withdraw cash at that time.
3. After the temporary expiration, the first installment will be paid and the bill will continue to be issued. Don't waste fixed time if you need it urgently.
4. Don't use temporary, it will delay the withdrawal of fixed amount. The shortest is one month after the temporary completion, and the longest is three months before the fixed amount can be adjusted.
5. Postal service pays more attention to users of provident fund, and the amount of cards purchased with provident fund is quite high.
6. D's imported parts need to be purchased with provident fund, and the individual+unit provident fund is required to be more than 2,000 yuan per month. Go to the outlet to apply.
7. The postal quota cannot be leveled. If the curve ends, swipe a successful curve card. There is no point in brushing alone.
8. Maximum amount of gold card100000. Of course there are exceptions. When you have assets, the back door will be opened for you, otherwise it will be 100 thousand.
I hope the above is useful for friends who have credit cards of the Postal Savings Bank. If you don't understand anything, just ask!
How long can postal credit cards be extended?
There are two ways to use the credit card of Postal Savings Bank, one is to increase the fixed quota, and the other is to apply for a temporary quota.
If you want to increase the fixed credit limit of the Postal Savings Bank, you need the cardholder to use the card for more than 6 months. To apply for cash withdrawal by credit card, you need to call the banking service hotline to apply. The bank will complete the review and reply within 2-3 working days. If you don't spend any money within three months after using the card, it is generally unlikely to increase your limit. The reference material for bank audit is your bill for the first three months, so it is suggested that if you want to raise the limit, you should spend more and repay on time. ).
China Postal Savings Bank can apply for a temporary credit line after using the credit card for 3 months. Temporary credit line is a temporary credit card line, generally valid for 1-3 months. When the fixed credit line is insufficient, the bank will increase the temporary credit line according to the comprehensive score, which is generally 50% of the fixed credit line.
Credit card withdrawal skills of postal bank
1, the number of swipes wins, regardless of the amount, as long as you can swipe your card, you will definitely swipe your card. You really need to swipe your card more, because the multi-swipe system will think that credit cards are a necessity in your life and you have money to collect them.
2, the amount of credit card wins, it is best to generate bills at least 30% of the total amount every month. That was not the case. With more credit cards, banks will indeed make more money. However, if your spending and income don't match, the bank will think you are very risky. (For example, your monthly income is 3,500 yuan, and your monthly credit card consumption is above 10000 yuan).
3. Frequent use of temporary quotas. Due to the short-term need to increase the number of places such as holidays, travel and business trips. , you can apply for a temporary quota, which will be easier to approve. This is usually easy to maintain, because everyone has temporary consumption. But the increased credit line is temporary. This has little to do with raising the permanent quota.
4. Continue to apply for withdrawal. For different customer service applications, continuous telephone withdrawal applications are sometimes handled differently. Different customer service does have different treatment methods, but the results of system evaluation will be the same.
5. Seize the favorable opportunity to increase the number of places. It is most effective to apply on the accounting day or when the card has just been maxed out. Generally, when the card is about to be maxed out, the system will prompt you to automatically increase the temporary limit. The effect is not particularly great.
6. Don't interrupt the record of credit card consumption. The bill for credit card consumption needs to last for three months in a row, and it can't be broken in the middle, that is, there must be consumption every month. This does have a great effect on cash withdrawal at the beginning of the card.
How to increase the postal credit card limit
Usually when you apply for a bank credit card for the first time, because the information received by the bank is not very comprehensive, it is likely that the credit card limit will be lower when you apply for a credit card. In the future, we can only find ways to increase the credit line of credit cards, so how to increase the credit line of postal credit cards?
1. When using a credit card, make a good repayment record, and don't overdue the repayment.
2. Use the postal credit card for consumption as much as possible, and the amount of bill consumption in each period shall be controlled at a certain proportion, not exceeding 70%-80%.
3. Properly handle some installment or large installment bills.
Usually, after a period of use, cardholders can contact the official customer service of the Postal Savings Bank to apply for an increase in the quota. In addition, you can apply for an increase in temporary credit line after 3 months of use and an increase in fixed credit line after 6 months of use.
Let's stop here for the introduction of postal credit card adjustment quota.