Postal credit cards can be used at ATMs, and it is 1.5 yuan to withdraw 3 interest. Postal savings credit card is a RMB credit card, which is a UnionPay standard card. It has all the functions and services of UnionPay standard credit card, and can be used freely at home and abroad. The card is valid for three years and can be equipped with four supplementary cards.

The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding", the background color of Puka is blue-green, and the background color of Gold Card is golden yellow. According to statistics, by October 21, the micro-loan business of China Postal Savings Bank had completely covered all cities, 2,1 counties, cities and major towns in China, and about 4,5 outlets had started this business nationwide. ?

In just a few years, China Postal Savings Bank has developed very rapidly. From the start of its business to October 21, the country has issued nearly 4 million loans to China Postal Savings Bank, amounting to more than 23 billion yuan, with an average loan of about 59, yuan. China Postal Savings Bank has issued more than 15 billion yuan in rural areas at or below the county level.

Extended information:

Definition of postal credit card interest.

2. The abstract point of interest refers to the value-added amount brought by monetary funds when they are injected into the real economy and returned. Generally speaking, interest refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for using the borrowed currency or capital.

also known as sub-fund, the symmetry of parent fund (principal). The calculation formula of interest is: interest = principal × interest rate × deposit period (that is, time).

Interest is the reward obtained by the owner of the fund for lending the fund, which comes from a part of the profits formed by the producer using the fund to play its operational functions. It refers to the value-added amount brought by monetary funds when they are injected into the real economic sector and returned. Its calculation formula is: interest = principal × interest rate× deposit period x1%

3. Classification of bank interest, which can be divided into bank interest receivable and bank interest payable according to the nature of banking business.

Interest receivable refers to the reward that the bank obtains from the borrower by lending the funds; It is the price that borrowers must pay for using funds; It is also part of the bank's profits.

Interest payable refers to the remuneration paid to depositors by banks for absorbing deposits from depositors; It is the price that banks must pay to absorb deposits, and it is also part of the bank's cost.

loan interest:

under the requirements of the new accounting standards, short-term loans are being made, and taking short-term loans as an example, the loan interest is recorded. For example, an enterprise borrows money from ICBC, the amount is 1 million, the time is three months, and the interest rate is 9%. There are several specific steps.

when a loan is obtained, it can be debited to the account of bank deposit with an amount of 1 million, and credited to the account of short-term loan with an amount of 1 million. When interest is generated, it can be accrued or not, and there are two aspects to the due direct payment.

first, if interest is not accrued, it can be credited to the debit of short-term loan at the time of direct payment after maturity, with the amount of 1 million, the debit of financial expense accounting, with the amount of 22,5, and the credit of bank deposit accounting, with the amount of 1,22,5.

Second, if interest is accrued on a monthly basis, it can be debited to the financial expense account when interest is accrued in the first month, with an amount of .75 million, and credited to the interest payable or accrued expense account, with an amount of .75 million. Taking the first month as an example, several consecutive accounting entries are the same.

When the loan interest is due, it can be debited to the short-term loan account with an amount of 1.5 million. Debit included in the account of interest payable or accrued expenses is 22,5 yuan, and credit included in the account of bank deposit is 1,22,5 yuan.

Baidu Encyclopedia-Interest

Baidu Encyclopedia-China Postal Savings Bank Credit Card