1. Overdraft consumption: refers to the consumption mode in which the amount of expenditure exceeds the amount of income. The Postal Savings Bank can refer to the consumption mode of "consumption first, then repayment".

2. Installment payment: refers to a way of shopping, that is, the Postal Savings Bank pays the total price of purchased goods or services (such as furniture, household appliances, cars, tourism, etc.). ) Pay in installments according to the agreed amount within a certain period of time.