What is the difference between the Postal Savings Bank Gold Card and the regular card?
The difference between the Postal Savings Bank Credit Card Gold Card and the regular card:
1. Different colors:
Puka is mainly dark green, and gold card is mainly gold.
2. Different credit limits:
There is a big difference in the credit limit. The credit limit of a regular credit card is generally 3,000 to 50,000 yuan, and the credit limit of a gold card is usually 50,000 yuan. to 100,000 yuan. The gold card is much higher than the ordinary card.
3. Annual fees are different:
Because the limit of the gold card is higher, the annual fee of the gold card is much higher than that of the ordinary card. Take the Postal Savings Bank standard credit card as the For example, the annual fee for the gold card is RMB, while the annual fee for the regular card is waived.
4. Different discounts:
Because the credit card gold card has a higher level than the ordinary card, it usually has some discounts that the ordinary card does not have. The gold card symbolizes dignity and glory and demonstrates status. Gold card holders can enjoy more card swiping benefits and conveniences. The gold card has more rights and benefits when using the card on various occasions at home and abroad.
5. The application requirements for the Gold Card are higher than those for the Regular Card (including job stability, income and other financial conditions, etc.).
What are the benefits of the Postal Savings Card Gold Card?
Postal Bank’s gold card is divided into a debit card gold card and a credit card gold card. The debit card gold card enjoys the benefits of all accounts under its name. There is a small management fee, you can directly use your VIP number to handle business, and you have free SMS notification services and other rights.
The Postal Savings Credit Card Gold Card has rights such as air ticket and hotel reservations, supplementary card limit adjustment, and 48-hour card loss protection.
The conditions for applying for Postal Bank Gold Card include:
1. The applicant must be between 18 and 65 years old and have full capacity for civil conduct;
2. Have a stable job and source of income. And have a fixed residence in the local area;
3. The average daily personal legal assets for three consecutive months are between 100,000 and 500,000 yuan;
4. The personal credit is good and the tax collection There is no bad credit record on the letter report.
Extended information:
The Postal Savings Bank of China can be traced back to the postal savings business launched in 1919, which has a history of more than 100 years.
In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was officially established. In January 2012, the company was restructured into a joint stock limited company.
China Postal Savings can be traced back to the postal savings business launched in 1919, which has a history of a hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was officially established. In January 2012, the company was restructured into a joint stock limited company.
In December 2015, ten domestic and foreign strategic investors were introduced. In September 2016, it was listed on the Hong Kong Stock Exchange. In December 2019, it was listed on the Shanghai Stock Exchange and successfully completed the three-step reform goal of "shareholding reform - leading to war - listing in A and H places".
The Bank has nearly 40,000 business outlets and serves more than 600 million individual customers. It leverages the unique advantages of its “self-operated agency” model to serve “agriculture, rural areas and farmers”, urban and rural residents, and small and medium-sized enterprises.
The Bank has excellent asset quality and significant growth potential, and is China's leading large-scale retail bank.
The Bank insists on serving the real economy, actively implements national strategies and supports the construction of China’s modern economic system, and achieves its own sustainable development.
Adhere to the customer-centered approach, build a financial service system that is interconnected and integrated online and offline, and provide our customers with high-quality, convenient and efficient comprehensive financial services.
Adhere to the risk-based approach and continue to improve the construction of a "comprehensive, full-process, all-staff" comprehensive risk management system, and asset quality continues to maintain an excellent level.
Adhere to the mission of "inclusive urban and rural areas, so that there is no distance between financial services" and provide inclusive financial services;
In line with the trend of residents' wealth growth and consumption upgrading, develop wealth finance; support the transformation and upgrading of industrial structure, and develop industrial finance ; Implement major plans for carbon peaking and carbon neutrality, and develop green finance. Use financial technology to empower high-quality development and create a digital ecological bank that serves rural revitalization and new urbanization.
After 14 years of hard work, the Bank’s market position and influence have become increasingly evident.
Fitch and Moody's respectively gave the bank A and A1 ratings consistent with China's, S&P Global gave the bank an A rating, S&P Ratings gave the bank an AAAspc rating, and China Chengxin International gave the bank a rating of A. AAA rating, outlook is stable.
In 2021, the Bank ranked 15th in the "Top 1000 Global Banks" by the British "Banker" magazine.
What conditions are required to apply for a postal gold card?
1. Age: The applicant must be between 18 and 65 years old, including 18 and 65 years old. 15 years old, and must be a legal Chinese citizen with full capacity for civil conduct;
2. Occupation: The applicant must have a stable job with a relatively stable income, and have a fixed position in the local area. Place of residence;
3. Income: The applicant’s average daily assets within three consecutive months must be between one hundred thousand and five hundred thousand, and these incomes are legal income;
4. Credit: The applicant has a good credit record and has never been overdue.
In addition to revolving credit, consumption installment, cash advance, optional password, and other services, the Postal Savings Credit Card Gold Card also has air ticket and hotel reservations, supplementary card limit adjustment, 48-hour card loss protection, and free It offers many special services such as transaction reminders, high-limit cash advances, double birthday points, and exciting gift redemptions. It is a real credit card that meets international standards, allowing cardholders to enjoy the "swipe the card first to spend and then repay later" domestic and overseas services. Convenient and affordable, use your card anytime, anywhere, worry-free.
Special functions
1. Real-time transaction reminder--as long as there is a transaction in your account, you can receive free transaction SMS reminders from Postal Savings Bank.
2. 50% cash advance ratio-Gold card holders can enjoy a cash advance ratio of up to 50%.
3. Exclusive gift redemption--Postal Savings Bank of China provides exclusive gold card gift redemption for gold card holders. The gifts are high-end, diverse, exquisite and practical.
4. Double points on your birthday - 1 point for 1 yuan, valid forever, double points on your birthday.
5. Exclusive VIP service - Postal Savings Credit Card Gold Card cardholders can enjoy priority queuing service when handling business at the Postal Savings Bank customer service hotline.
6. Emergency credit limit adjustment--when a customer has emergency credit limit requirements and meets Postal Savings Bank's conditions for temporary credit limit adjustment, the temporary credit limit adjustment can be achieved within 24 hours.
7. Supplementary card limit control - you can freely set the credit limit for the supplementary card. You can share the limit with the main card, or you can set it according to a certain proportion or amount of the main card's credit limit. Supplementary card limit
Fees
Over-limit fee 5 of the over-limit amount, with a minimum of 5 yuan and a maximum of 200 yuan;
Late fee for the unpaid portion of the minimum repayment amount 5, minimum 10 yuan;
Inter-bank cash withdrawal handling fee 1, minimum transaction amount 10 yuan;
Inter-bank cash withdrawal handling fee 1, minimum transaction amount 10 yuan, plus additional charges 2 yuan handling fee;
The handling fee for overpayment within the same bank is 0.5 of the transaction amount, with a minimum of 10 yuan;
The handling fee for inter-bank overpayment is 0.5 of the transaction amount, with a minimum of 10 yuan. 10 yuan, plus a handling fee of 2 yuan;
The cost of replacing a damaged or degaussed card is 20 yuan/card;
The express fee (optional) is 20 yuan/time;
The handling fee for re-sending statements is free within 3 months, and 5 yuan/copy for more than 3 months;
The fee for reporting a lost card is 40 yuan/card;
The handling fee for the reset password letter is RMB 10 per card;
Reviewing a copy of the domestic purchase order is RMB 10/copy, and the original is RMB 50/copy;
Reviewing a copy of the foreign purchase order 10 yuan/copy, original copy 50 yuan/copy
What to do with the Postal Savings Bank of China Gold Card
The conditions for applying for a gold card at the Postal Savings Bank of China are as follows:
1. The specific standard is that a single individual customer (confirmed with his or her personal identity document number) can apply to become a financial asset of the Postal Savings Bank if the average daily total amount of the financial assets in the Postal Savings Bank in the past quarter is not less than 50,000 yuan. Green card VIP gold card customers.
2. Gold card qualifications are dynamically adjusted. If the cardholder's rating in a quarter does not meet the above specified standards, he will no longer enjoy business tariff discounts in the next quarter.
Customers who meet the above conditions can apply for a gold card at the local Postal Savings Bank counter with their valid ID card.
There are two types of postal gold cards: one is a credit card gold card, and the other is a major customer gold card.
The gold credit card has advantages in terms of points and limits; the gold card for large customers can enjoy the processing rights first when handling business, enjoy a dedicated customer room, and do not need to use it when handling large amounts of funds. Make a reservation in advance.
Extended information:
Special functions
1. Real-time transaction reminder--as long as there is a transaction in your account, you can receive the transaction sent by Postal Savings Bank for free. SMS reminder.
2. 50% cash advance ratio-Gold card holders can enjoy a cash advance ratio of up to 50%.
3. Exclusive gift redemption--Postal Savings Bank of China provides exclusive gold card gift redemption for gold card holders. The gifts are high-end, diverse, exquisite and practical.
4. Double points on your birthday - 1 point for 1 yuan, valid forever, double points on your birthday.
5. Exclusive VIP service - Postal Savings Credit Card Gold Card cardholders can enjoy priority queuing service when handling business at the Postal Savings Bank customer service hotline.
6. Emergency credit limit adjustment--when a customer has emergency credit limit requirements and meets Postal Savings Bank's conditions for temporary credit limit adjustment, the temporary credit limit adjustment can be achieved within 24 hours.
7. Supplementary card limit control - you can freely set the credit limit for the supplementary card. You can share the limit with the main card, or you can set it according to a certain proportion or amount of the main card's credit limit. Supplementary card limit.
Baidu Encyclopedia - Postal Savings Credit Card Gold Card
That’s it for the introduction of China Postal Savings Credit Card Gold Card.