Some advantages of Postal Savings Credit Card include permanent annual fee exemption, permanent points validity, and optional billing date; disadvantages include low limit, difficulty in approval, and not many activities.

1. Permanent annual fee exemption: Both the main card and supplementary card are permanently exempted from annual fees. You are free of annual fees and can swipe the card as you like.

2. Choose your installment payment as you like: "Any installment" for bill installments and "Every installment" for transaction installments are available, with no interest and low handling fees.

3. Double protection of password SMS: you can activate the card through the 24-hour customer service hotline, set the transaction password and query password online in real time, or log in to online banking to activate it online in real time, which is safe and fast.

4. Enjoy up to 50 days of interest-free repayment period for consumption: the longest 50-day and the shortest 20-day interest-free period for consumption allow you to enjoy a leisurely life first.

5. Optional billing dates: Multiple billing dates are available for you to choose from, allowing you to flexibly arrange repayment.

6. Points are permanently valid: every dollar spent earns one point, and the points are permanently valid. Point transfer and point redemption allow you to easily implement various points plans

7. Customers can choose " Use the "Signature Password" or "Signature" method for consumption, and you can change it through the customer service hotline or log in to online banking according to your card usage habits. If you apply for SMS monthly subscription service, cardholders can flexibly set the starting amount of notification SMS according to their actual needs, monitor changes in account funds in real time, and ensure the safety of card use.

The content of this article comes from: China Law Press "Financial Code of the People's Republic of China: Applied Edition"