How much is the annual fee for a postal savings credit card? No annual fee?
As the fifth largest bank in China, the Postal Savings Bank has always received widespread attention from people. People are very concerned about all aspects of the Postal Savings Credit Card, such as the annual fee. So, how much is the annual fee for a postal savings credit card? No annual fee? Let me answer it for you today.
The annual fees for postal savings credit cards vary depending on the credit card level and card type.
How much is the annual fee for a postal savings credit card?
1. Regular Cards
Most of Postal Bank’s regular cards do not require annual fees and are free of annual fees within the validity period.
2. Gold Card
In Postal Bank’s gold card, the annual fee is basically RMB 125 per year for the main card and RMB 60 per year for the supplementary card.
3. Platinum Card
The annual fee for the Postal Savings Credit Card Platinum Card is RMB 2,600 per year for the main card and RMB 1,300 per year for the supplementary card.
Is the postal savings credit card free of annual fees?
The annual fee for the Postal Savings Credit Card is directly waived, while the gold card only waives the annual fee for the first year. If you want to waive the annual fee for the following year, you need to spend 6 or more with the card within one year. Only then can the annual fee for the following year be waived. The Platinum Card does not waive the rigid annual fee.
The above is the answer to "What is the annual fee for a postal savings credit card? Is it free of annual fee?" Most regular cards are free of annual fees, and most gold cards have annual fee charging standards and annual fees. The policy is as summarized above, but Postal Bank has a wide range of card types, and some individual card types have slightly different annual fees. For specific information, you can also call Postal Bank’s customer service number to inquire.
Is there an annual fee for a postal savings credit card?
The regular postal credit card is free of annual fees for life. Only the gold card is 125 yuan/year for the main card and 60 yuan/year for the supplementary card.
Definition of credit card:
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are classified as follows:
Credit cards can be divided into credit cards and quasi-credit cards based on different repayment methods.
1. Credit card.
When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.
2. Quasi-credit card.
It is a credit card issued by a bank that deposits first and then consumes. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.
Introduction to credit card overdraft:
Credit card overdraft is a short-term overdraft within a specified limit given by the credit card issuer to the cardholder when making purchases with the card. For credit cards, allowing "spend first, repay later" and overdraft are important features. For debit credit cards, "deposit first, then spend". However, on the premise that it is determined to be a bona fide overdraft and repayment is guaranteed, cardholders are also allowed to overdraft an appropriate amount within a short period of time when they are in urgent need of funds. Overdraft interest is generally much higher than that of bank loans in the same period, and card issuers have a complete set of measures to prevent and pursue overdraft risk losses.
How to charge the annual fee for Postal Savings Credit Card
Different cards have different fees.
1 For ordinary postal savings credit card holders, the credit card is free of annual fees in the first year. If you swipe the card 6 times in that year, the annual fee of the credit card in the next year will be waived.
2 For postal savings gold card-level credit cards, the annual fee for the main gold card card is 125 yuan per year, and the annual fee for the gold supplementary card is 60 yuan per year.
3 Postal Savings Bank gold-level credit cards charge an annual fee of up to RMB 300 per year, which cardholders must pay.
Different credit card levels have different annual fee charging standards, and different card-issuing banks have different annual fees. Generally speaking, the annual fee for a regular card is 100-150 yuan, the annual fee for a gold card is 300-500 yuan, and the annual fee for a platinum card is often more than 1,000 yuan.
Can I waive the annual fee on a credit card?
The college student card launched for college students is free for life. Most ordinary cards and gold cards are free of annual fees in the first year of opening the card. After that, if the number of card swipes meets the bank's requirements, the annual fees for the next year can be waived. Since customers who can apply for a platinum card are generally financially strong, considering that people are not short of this small amount of money, the annual fee is not waived. The credit card annual fee is charged as follows: The credit card is free of annual fee for the first year. Assuming that the card is opened in March, the annual fee for the next year will be charged in March.
Is the annual credit card fee the only expense?
In fact, many credit cards have an annual fee, which is similar to a service fee. In other words, even if you don't use the credit card, you'll still have to pay an annual fee. This also makes many people ignore it, which ultimately leads to a lot of unnecessary trouble. It’s true that credit cards are interest-free, but that doesn’t sum up everything. In fact, many credit cards still accrue some interest. Nowadays, you need to pay a certain handling fee when withdrawing cash with a credit card. If you want to apply for a new credit card, many banks need to pay a loss reporting fee of 50-60 yuan, but in fact, this money is not necessary. That is to apply for card cancellation and then apply again. However, when using this method, you must be prepared. Don't forget to pay back the previous debt. Another thing is that you may be blocked when applying for the same type of credit card, and you can only apply for other types.
The annual credit card fee refers to the fee that the cardholder has to pay to the bank during the use of the credit card. The annual credit card fee generally starts after the cardholder activates the credit card and is charged annually. Each bank has different annual fee policies and charges different amounts.
One year is calculated from the time when the user opens the card and activates it.
Generally, the annual credit card fee is calculated one year from the time when the user opens the card and activates it, rather than based on the natural year. For example, if a user opens a card and activates it on January 1, 2020, then January 1, 2021 will be one year for calculating the annual fee for the credit card.
How much is the annual fee for a postal credit card?
Common cards: The business card is free of annual fees all year round; the transportation co-branded card is 50 yuan per year; the annual fee for the main card of the charity card is 50 yuan, and the annual fee for the supplementary card is 50 yuan. The annual fee for the youth card is 20 yuan; the annual fee for the main youth card is 50 yuan, and the annual fee for the supplementary card is 20 yuan.
Gold Card: The main card of the self-mailing family co-branded card is 100 yuan per year, and the supplementary card is 50 yuan per year; the Zhongyuan Food Card co-branded card is 200 yuan per year, and the supplementary card is 60 yuan per year; the transportation co-branded card is 125 yuan per year for the main card .
Postal Savings Bank credit card annual fee exemption policy
All credit cards are mostly free of annual fees in the first year, and the annual fees for the following year are waived after 6 purchases.
Extended information:
The Postal Savings Bank credit card is a UnionPay standard RMB credit card with rich functions such as overdraft consumption, overdraft cash withdrawal, installment payment, and points earning; it provides 24-hour customer service hotline, free bill delivery, self-deduction and repayment association and other services. In addition, there are powerful functions such as free transaction fees for repayment in other places, free text message reminders for large transactions, and interest-free period discounts for consumption.
The minimum amount available for application is RMB 3,000, of which RMB 1,500 can be used for cash withdrawal.
The newly issued Postal Savings Bank credit card uses "ding" as the design pattern, which not only shows the postal service's historical and cultural heritage, strong strength, sincerity and trustworthiness, and the connotation of keeping promises, but also expresses the Postal Savings Bank's "effort for you" service commitment.
The blue-green card background symbolizes peace, life and hope, injecting a relaxed, cheerful, convenient and fashionable card use concept into life. The biggest feature of the Postal Savings Bank Credit Card is that there is no annual fee for life. After applying for a Postal Savings Bank Credit Card, customers will no longer have to worry about complicated annual fee reduction rules. Moreover, this credit card has many repayment methods: cardholders can repay through various Postal Savings Bank outlets, automatic transfers, self-service deposit machines, ATM machine transfers, etc.
Application conditions
Since April 2009, if you are over 18 years old, meet the Postal Savings Bank credit card application conditions and provide complete supporting materials, you can apply for the Postal Savings Bank of China Quanzhou Apply at any branch outlet.
Charging standard
Annual fee: Gold card main card 125 yuan/year, supplementary card 60 yuan/year; regular card has no annual fee for life
SMS service Fee: free for gold card, 3 yuan/month/user for regular card
Interest-free period: 20-51 days
Minimum repayment ratio: 10
Cash withdrawal Handling fee: Domestic, 1% of the transaction amount: minimum 10 yuan, and an additional 2 yuan handling fee for inter-bank transactions. Overseas, transaction amount 1,: minimum 20 yuan
Late payment fee: 5 yuan of the unpaid minimum repayment amount, minimum 10 yuan
Over-limit fee: 5 yuan of the over-limit amount: Minimum 5 yuan, maximum 200 yuan
Bill retrieval fee: copy 10 yuan/copy, original 50 yuan/copy
Reply bill processing fee: free within 3 months , 5 yuan/copy for more than 3 months
Handling fee for overpayment recovery: domestic, 0.5 of the transaction amount, minimum 10 yuan, and an additional 2 yuan handling fee for inter-bank transactions. Overseas, 0.5 of the transaction amount, minimum 20 yuan
Handling fee for reporting loss: 40 yuan/time for gold card; 20 yuan/time for ordinary card
Handling fee for password reset letter: 15 yuan /time
How much is the annual fee for a Postal Savings Bank credit card? How to reduce the annual fee?
In addition to the credit limit, cardholders also need to pay attention to the annual fee. The charging standards and exemption conditions are directly related to the vital interests of customers. Today I would like to introduce to you, how much is the annual fee for a Postal Savings Bank credit card? How to reduce the annual fee?
How much is the annual fee for a Postal Savings Bank credit card?
1. Regular cards
For most regular card products, the annual fee is directly and unconditionally waived within the validity period of the credit card. For some special products, There are annual fee standards:
1) Transportation co-branded card 50 yuan/year;
2) Love charity card, youth card main card 50 yuan/year, supplementary card 20 yuan/year Year.
2. Gold Card
The annual fee for the main card is 125 yuan/year, and the supplementary card is 60 yuan/year;
In addition, the annual fee for special products is as follows ：
1) The self-mailed family co-branded card costs 100 yuan/year for the main card and 50 yuan/year for the supplementary card;
2) The Zhongyuan Food Card co-branded card costs 200 yuan/year and the supplementary card 60 yuan/year;
3) Gold leaf card C level 280 yuan/year;
4) Gold leaf card B level 500 yuan/year;
5) Gold leaf card A level is 800 yuan/year.
Conditions for postal savings bank credit card annual fee reduction
1. Regular card and gold card
For paid products, the annual fee is waived in the first year if you spend 6 times or more The annual fee is waived for the following year.
2. Special Gold Card Products
1) Zhongyuan Gourmet Card Co-branded Card: No annual fee for the first year, and no annual fee for the next year after spending 10 times;
2) All-currency card: no annual fee in the first year, and no annual fee in the following year after 12 purchases;
3) Gold leaf card C level: no annual fee in the first year, and no annual fee in the following year. A single transaction installment or bill installment amount of 5,000 or more and the number of installment transactions is 4 or more can be exempted;
4) Gold Leaf Card B level: charged in the first year, and the annual fee in the following year meets the single transaction The transaction installment or bill installment amount is 5,000 or more and the number of transactions is 7 or more can be exempted;
This is the end of the introduction on how to charge postal credit cards and whether postal savings credit cards are charged. Did you find the information you needed?