1. What is the function of the green card?
Cardholders can apply for local (overseas) cash deposit and withdrawal at the business counter of the National Postal Savings Network with a green card, and check the balance, modify the password, withdraw money and transfer money at the China Postal ATM. Can handle inter-bank withdrawal and consumption business at ATMs and POS with UnionPay logo at home and abroad; Using the green card, you can handle the collection and payment services such as paying telecom fees, paying wages, pensions, paying utilities, paying taxes, withholding premiums, etc. Recently, Yunnan Postal Savings Green Card will open the "Yinxintong" service, and customers can easily realize account inquiry, mobile payment and other functions through SMS. With the opening of postal savings telephone banking and online banking, the green card will be given more brand-new functions.
2. How to apply for a green card
Depositors can apply for green cards, including folding cards, single-deck cards, primary and secondary cards and co-branded cards, at national postal savings outlets after filling out the Application Form for Receiving postal savings card with valid identity documents.
3. Matters needing attention when using green card
8? 3. If you enter the wrong password three times in a day, the card is prohibited from trading on that day, and the password will be invalid if you enter the wrong password 15 times in a row, and the cardholder needs to change the password at the card account.
8? 3. Cardholders must show their identity documents when handling local cash withdrawal business of 50,000 yuan (excluding) or 5,000 yuan (excluding) at postal savings networking outlets; The daily withdrawal limit of the card in different places is 6,543,800 yuan. When withdrawing cash from the Postal Savings Automatic Teller (ATM), the maximum withdrawal amount is 5,000 yuan per day and 2,000 yuan per time.
8? 3. When the cardholder handles the bank memory withdrawal business outside and across the province, the transaction fee will be charged at 0.5% of the transaction amount, and 2 yuan will be charged if it is insufficient for 2 yuan. The maximum deposit fee is 20 yuan, and the maximum withdrawal fee is 50 yuan. There is no need to pay any formalities for shopping and spending at home and abroad with this card. 2 yuan handling fee will be charged for each ATM withdrawal. Cross-bank transactions outside the province, in addition to cross-bank transaction fees, also need to pay off-site transaction fees.
8? At present, Yunnan Postal Savings Green Card does not charge annual fee, card handling fee and card replacement fee.
At present, all countries and regions outside China can accept green cards.
Recently opened countries and regions include Singapore, Thailand, South Korea, China, Hongkong and Macao Special Administrative Region.
5. How do cardholders charge for using green cards abroad?
8? 3 Cardholders who use the green card to make ATM withdrawals abroad are required to pay an inter-bank service fee (10 yuan) and an off-site withdrawal fee (5‰× withdrawal amount, minimum 2 yuan and maximum 50 yuan), both in RMB, which are directly deducted from the cardholder's account. Cardholders use green cards to conduct ATM inquiries and POS consumption transactions abroad, and no fees are charged for the time being.
8? 3 When the cardholder uses ATM to withdraw money and POS to spend money abroad, he/she conducts transactions in the currency of the country and region where he/she is located, and the postal savings will deduct the corresponding RMB amount from the cardholder's account at the exchange rate listed on that day, that is, the transaction currency of overseas business is the local currency where the transaction takes place, and the settlement currency is RMB.
8? 3. The daily cumulative amount of ATM withdrawal transactions outside the green card shall not exceed the equivalent of RMB 5,000, and the amount of POS consumption is not limited.
6. Keeping the password is the most important thing.
8? After getting a new green card, the first step is to change the password in time.
8? Don't use your ID card, phone number, birthday or some lucky numbers as passwords to avoid being cracked by criminals.
8? Don't write passwords everywhere, but change them frequently.
8? Remember, no one (including post office staff) has the right to ask for your personal password.
7. How to save the green card?
Keeping the green card properly to avoid losing it can reduce the trouble of changing the card and reporting the loss. It is best to put the green card in a hard leather wallet, not too close to the magnetic buckle; Prevent sharp objects from being worn, scratched, twisted or damaged; Don't store it close to other magnetic cards, and don't put it back to back to avoid the magnetic strips rubbing against each other. Don't put the green card in the range of high magnetic appliances such as microwave ovens and refrigerators, and try not to put it with magnetic items such as mobile phones, computers and palmtop computers to avoid degaussing and "deterioration".
8, card replacement and cancellation
When the depositor's green card can no longer be used due to damage or other reasons, or the depositor does not need to use it, the depositor must go to the bank to handle the formalities of replacing the new card or canceling the card. When handling the above procedures, the depositor must return the original card.
9. What should I do if I lose my green card?
If the depositor loses his green card, he should immediately apply to the online post office for reporting the loss. At present, there are two kinds of loss reporting in post offices: temporary loss reporting (including letters, telegrams and oral loss reporting) and formal loss reporting. Formal loss reporting and communication loss reporting must be carried out at the account opening outlets, and oral temporary loss reporting can only be carried out at local non-account opening outlets and off-site post offices, and fees are charged according to regulations. The validity period of local temporary loss reporting is 5 days, and that of off-site temporary loss reporting is 20 days. After handling the temporary loss report, the depositor shall go to the bank to handle the formal loss report in time. Otherwise, after the validity period, the system will automatically cancel the loss reporting.
10. How to avoid ATM card swallowing? What should I do after swallowing the card?
Get the card in time after the transaction is completed. If you forget to pick up the card for 30 seconds, the ATM will automatically swallow the card to prevent others from picking up the card. In case of card swallowing, you should take good care of the receipt printed by ATM after card swallowing, bring your valid certificate to the postal savings business outlet or other bank outlets to which the ATM belongs in time to pick up the card, and change the card password.
1 1. Pay more attention when using ATMs.
First, pay attention to strangers around you; The second is to see if there are redundant devices around the ATM, such as cameras; Third, when entering the password, cover it up to prevent others from peeking; Fourth, in case of card swallowing, please contact the nearest postal savings outlets, and don't believe any notices or off-screen notices.
12, beware of bank cards being "exchanged" and "cloned"
8? Merchants should be cautious when spending with their cards, and they should be sure that they are their own green cards when they take them back.
8? Please carry your green card with you, and don't lend it to others for viewing and using.
8? Don't trust information such as "lucky winning" easily. Criminals use SMS, Internet and telephone to sell cheap imported cars, computers and other commodities to defraud cardholders of their card numbers and passwords. Please be careful. Once you tell the other party your card number and password, your green card may be "cloned" by criminals unconsciously. Although you still have the card, the funds in your account have been stolen.
13, don't worry about network anomalies.
Occasionally, when the network is interrupted, the green card will not be used normally until the network or system is restored. Transaction failure may lead to account errors. Don't panic in this case. You should contact the card issuing post office in time to inquire about the transaction. The Postal Savings Office has established a corresponding error handling mechanism, and will adjust relevant accounts for you as soon as possible to ensure the safety of funds.
14. How to handle emergency payment by card in case of emergency?
Depositors hold green cards to handle business in different places. Due to network system failure and other reasons, depositors who are in urgent need of money cannot withdraw cash from ATM machines, and the post office provides "urgent payment" service. Cardholders should fill in the "Application for Emergency Payment" as required and provide their valid identity documents. The maximum withdrawal limit for the card-holding "urgent payment" business is 6,543,800 yuan.
15. What if credit card consumption is required to charge a handling fee?
According to the regulations, special merchants are not allowed to charge any handling fee to the card swiper. If you are asked to charge a handling fee for credit card consumption, you have the right to refuse, and you can immediately report it to postal savings card Card Issuing Bureau. In this case, remember to ask the merchant for a receipt or proof, such as an invoice, and keep it properly as evidence of complaint.
16, you'd better use your card in advance when you leave the city.
If the green card is not used for a long time, there may be abnormal situations, such as unintentional damage or degaussing of magnetic stripe information, which makes it unusable. Therefore, it is best to use the card in advance before going out to ensure that the card is barrier-free when going out and avoid the embarrassment of "there is a card that can't be brushed out".