Do I need to activate two postal EMS co-branded credit cards?

There are two postal EMS co-branded credit cards, and not both need to be activated.

One of the two cards is UnionPay, which can be used for domestic card consumption, and the other is Mastercard, which is mainly used for overseas card consumption.

It mainly depends on your own needs. If you use domestic cards a lot, just activate the domestic card.

Co-branded credit card refers to an agreement between the credit card and the product dealer, so that the cardholder can not only enjoy excellent financial services when making purchases, but also enjoy special preferential treatment from the manufacturer.

Co-Branded-Card is a bank card accessory product jointly issued by commercial banks and for-profit institutions. At present, the most common one is a co-branded debit card, which is a bank card with a co-branded nature developed on the basis of a debit card.

Co-branded credit card was approved in France on October 1, 2007. It is a bank card with the logo of a company or store or association, such as Visa and Mastercard. and American Express.

How to use China Post’s two 10,000 yuan credit cards

My colleagues all enjoy the same credit limit~!

When you spend 500 on the first card, the spendable limit on your other card will also become only 9500~!

My suggestion is to keep one card type and face that you like and just sell the other one~!

How come there are two postal credit cards?

Question 1: How come there are two postal credit cards, one primary and one secondary?

Application conditions:

Be between 18 and 60 years old, have full capacity for civil conduct;

have a good credit record;

have job income and the ability to repay.

Application materials:

Identity proof: copy of resident ID card or military officer ID;

Employment and income proof;

Other proof of financial resources: such as a copy of the real estate certificate, a copy of the driving license, a copy of the deposit receipt, etc.

Credit card application method:

Counter application:

Bring your credit certificate to the counter to apply:

Applicants are required to submit a relatively complete Submit the asset certification documents to Industrial Bank for review by the bank's backend review department;

After passing the review, fill in relevant information and identity information;

Issue a credit card.

Online banking application:

The applicant uses a savings card account under his or her name to open online banking and enter the official website of Industrial Bank;

Enter the login password and verification code. Online banking page;

Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit, the review progress and results will be displayed on the online banking;

After the review is passed , issue credit cards.

Counter application process:

Go to the bank branch where the credit card is processed, or ask the staff of the local Construction Bank Credit Card Center to fill in the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;

Submit certain copies of certificates and certificates to the card issuing bank;< /p>

After filling in the application form truthfully, you must submit relevant credit certificates together with the completed application form;

The application form is accompanied by a credit card use contract, and the applicant authorizes it The card-issuing bank or relevant departments will investigate the relevant information and submit a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have my signature;

The credit card application process is basically completed and waiting for the credit card to be issued.

Question 2: Why were two postal credit cards sent to me? This is the case.

The same is true for my credit cards at China Construction Bank and Bank of China:

1 is a gold card (used in China),

1 is a platinum multi-currency card Card (only for use outside China).

Question 3: Why do you have two postal credit cards? Now that banks have canceled dual-label cards

UnionPay and foreign currency credit cards must be made separately.

You Check the cards

One should have the UnionPay logo

The other should be a visa or MasterCard card

Question 4: I applied for a postal credit card, and two cards came out , don’t understand what’s going on? One of them is an additional card with a limited credit limit

or a debit card

Question 5: Why are there two Postal Savings Bank credit cards? If you are applying for dual currency Cards, the dual-currency cards issued by most banks now are two cards split between UnionPay and other card issuing organizations. For example, one UnionPay card and one VISA card, so there are two cards.

There is also a set of cards, one main card and one secondary card.

Question 6: Why does China Post Credit Card have two different cards? Card types are different. Naturally, the cards will have different appearances. It is recommended that the specific appearance be based on the card you apply for.

Steps to apply for a bank card:

1. Bring your ID card to the bank;

2. Fill in the application form according to the bank staff;

< p>3. Fill out the form and hand it over to the counter;

4. After completing the procedures at the counter, set a password as required and give the applicant a bank card.

Question 7: What do the two postal credit cards mean? Is there any difference? When you apply for the first time, the two cards have different logos and different networks for swiping the card. One is UnionPay. One is mainly used for swiping purchases within China; the other is Mastercard, which is mainly used for swiping purchases overseas (overseas UnionPay is not widely accepted). The two cards share the same limit. In addition, don’t put all your credit card information online like this, as it will lead to information leakage.

Question 8: What happened when Postal Savings issued a credit card and received two cards? How to use it? The bank estimates that in order to complete the card issuance quota

The limit is limited, just choose one to activate

For specific annual fee information, you can call the service number on the back of the card to confirm

Question 9: If I have two post office credit cards, can I use them at the same time? I can use them at the same time, but it is recommended not to apply for 2 or more of them at the same bank, because the limit is for ***. The annual fees must be paid to each individual, so it is not cost-effective for you,,,

Question 10: With the limit of two Postal Savings Bank credit cards, you can apply for multiple credit cards at the same bank (no restrictions), but in the same If the bank applies for multiple credit cards, the credit limit will be the same and exclusive; as long as the applicant meets the bank's regulations, he or she can apply.

How to use two credit cards cost-effectively?

Different banks, or different card types of the same bank, offer different discounts. Use your credit card according to the discounts of the corresponding credit card.

According to the different bank cards used by different merchants, some merchants will have preferential activities for credit cards of specific banks. You can read the merchant advertisements or consult the merchant before checking out and swiping the card. Please pay attention to the following when using the credit card. Points:

1. Cancel idle credit cards in a timely manner

For people who do not have high credit limit requirements, it is enough to keep 2 cards in hand, and other cards can be cancelled. If you are more interested in the limit, you can actively use these two cards to meet the bank's qualifications for limit increase, and use this to increase the limit. This can not only save annual fees, reduce the risk of arrears, but also reduce the pressure of daily management.

2. Reasonably seize the opportunity to swipe the card to obtain the longest interest-free period

The interest-free period is the period from swiping the credit card to the final payment date. During this period, as long as the current period is paid off in full The amount due for the current period on the statement will not accrue interest on your balance. Then you can find the card swiping date with the longest interest-free period, which is to swipe the card on the first day after the billing date, and you can enjoy at least 50 days of interest-free period from the next final repayment date!

3. Actively "collect the wool"

Many banks will hold points or discount promotions from time to time, so you should pay attention to bank information push or news from related websites.

4. Moderate consumption

Credit cards are easy to use, but using credit cards will inadvertently arouse the cardholder’s desire to spend, leading to the embarrassment of being unable to repay.

In daily consumption, we should refer to our income status and conscientiously control consumption. Frequently checking historical consumption bills and making consumption plans are also a means of moderation.

5. Try to pay off the bill in full

If possible, it is recommended to pay off the bill in full. Using installment repayment or minimum repayment will not affect your credit score, but you must pay Additional interest charges.

6. You need to prepare sufficient funds to use automatic repayment

With more and more credit cards on hand, repayment is inconvenient, so many people will choose to use the automatic repayment function to realize automatic repayment. The prerequisite for making a payment is that there are sufficient funds in the bound savings card, otherwise it is easy to become overdue unintentionally.

Warm reminder: The above information is for reference only. To inquire about Ping An Bank’s business, it is recommended to follow Ping An Bank’s credit card WeChat public account (paxyk95511) for consultation.

Response time: 2021-11-24. For the latest business changes, please refer to the official website of Ping An Bank.

If I have two post office credit cards, can I use them at the same time?

It can be used at the same time, but it is recommended not to apply for 2 or more cards

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The same bank, because the limit is for one person but the annual fee must be paid to each, so it is not cost-effective for you,,,,,

What are dual credit cards used for? What happened to receiving two credit cards?

When I applied for a card, I obviously only applied for one card. Why did I have two cards when I received it? It feels very strange. I don’t know what the other visa card is used for. I will tell you next. Let me tell you the bank's intentions.

What is the VISA card used for?

If you find that you only applied for one card, but the bank sent you two, don’t feel weird. This is because the credit card you applied for was issued according to the "11" card set model. It's just for your convenience when using the card. Of course, the two credit cards you receive may be the same credit card, but with different card organizations; but it is also possible that you receive two completely different credit cards. This mainly depends on the credit card organization you apply for.

For example, if you apply for Dragon Card MUSE Credit Card VISA now, a Global Payment Platinum Card (Visa version) will be issued in conjunction with it; if you apply for Dragon Card Family Beloved Credit Card UnionPay version, a Dragon Card Family Beloved Credit Card VISA will be issued in conjunction with it. version.

How to use 2 bank credit cards?

One is used according to the card organization, and the other is used according to your actual needs.

If it is a card organization, you can just use UnionPay card to make purchases in China. You can use Visa card with the same credit card to make purchases abroad, or use Visa card to make overseas purchases on domestic overseas shopping websites; The two cards you received are not UnionPay cards, so of the two visa cards, you can use the card that can get cash back to make purchases, and then the global payment card visa version will automatically convert your foreign currency consumption into RMB and deposit it into your account, and then you can use it directly Just repay in RMB.

In general, you apply for a bank card, but for your convenience, the bank issues you an internationally accepted VISA card. If you are in China, just use a UnionPay card. Well, if you go abroad, you can use Visa card. These two cards have limited usage limits. They are mainly used for different areas of use and use different credit card organizations.

This ends the introduction on how to use two postal credit cards and what to do if you have two postal cards. Have you found the information you need?