Postal banks, etc. are bound to credit cards and must pay an annual fee. The card types of ETC are divided into gold card and ordinary card, in which the annual fee of gold card is 125 yuan, and the annual fee of ordinary card is 50 yuan. Users who swipe their credit cards six times a year will be exempted from the annual credit card fee of that year.

Postal banks have a good reputation. After all, it is one of the state-owned banks, and the service quality will certainly not be bad. However, some details, such as the deposit, need to be improved.