Question 1: Can the bank card of China Post be overdrawn? The credit card of the Postal Savings Bank can be overdrawn, but the savings card cannot be overdrawn.

Question 2: Can the (debit card) of China Postal Savings Bank be overdrawn? What is the difference between it and a savings card? Debit card and savings card are the same kind of card. Debit cards cannot be overdrawn. Debit card is an international common name, and savings card is a domestic common name. There is no difference between them.

Question 3: Can a savings card be overdrawn? Of course not. Savings cards are debit cards, and only credit cards and quasi-credit cards can be overdrawn, that is, credit cards.

Question 4: Can China Postal Savings Debit Card be overdrawn? 40 points Ordinary China Postal Savings Floating Card cannot be overdrawn. You need a deposit before spending.

Only credit cards can be overdrawn.

The overdraft consumption of quasi-debit card in credit card is the same as overdraft, and there is no interest-free period, and the interest is calculated at the daily interest rate of 50/10000.

The maximum interest-free period for credit card overdraft consumption in credit cards is 50 days.

Question 5: Can a bank savings card be overdrawn? A savings card is usually called a debit card. Cannot overdraw. Credit cards (debit cards) can be used for overdraft.

Question 6: How to overdraw in postal savings card? If you want to overdraw, you can apply for a credit card at another bank, but you can't withdraw money right away. If you are a student, you can apply for a student card, which is conducive to attracting investment. The so-called subscription means that you can take out the money in your credit card and swipe it at ATM or shopping mall. You need identification to handle it. It will take some time. If you really need a little money, I suggest you borrow it from someone. . . You have to pay a lot of handling fees for overdraft withdrawal! You'd better overdraw your card and don't pay too much handling fee!

Question 7: Can postal savings card overdraw? A savings card is a debit card, not a credit card, and cannot be overdrawn. Being able to pay means that you have money in your card.

Question 8: Can the bank card of Postal Savings Bank be overdrawn? If you can overdraw, what is the maximum overdraft limit? Bank cards are divided into debit cards and credit cards. Debit cards cannot be overdrawn, and credit cards are credit cards. The specific overdraft limit of a credit card is determined by the bank according to your personal comprehensive conditions.

I hope I can help you, and I hope to adopt it!

Question 9: What card of Postal Savings Bank can overdraw the credit card of Postal Savings Bank, which can be divided into ordinary card and gold card.

Question 10: What card can the Postal Savings Bank overdraw? Is it easy to handle? Credit cards can be overdrawn! The key is that you have a stable job!

What about overdraft card of Postal Savings Bank?

Overdraft card of the Postal Savings Bank is a credit card and can only overdraw it. You can apply for a credit card at the counter of the Postal Bank.

First, the postal credit card application qualification:

1, enterprises, institutions and institutions are better approved, and enterprises are preferably large state-owned enterprises, top 500 in the world or top 500 in China. Of course, it must be a contract worker.

2, the general enterprise, must be a well-known local enterprises, and it is a back office job. Well-known enterprises, such as department store salespersons, do not need to apply, and the application is not approved. Of course, leadership positions are also possible.

3. Government personnel and civil servants. It must be a contract worker, and the postal service only recognizes contract workers. If it is a contract worker, it will be more difficult to apply.

4, other basic applications are not easy, such as real estate developers, intermediaries, car 4s shops, not approved (except for leadership positions, they are basically business owners, and the amount is very low). If it is a self-employed household, it is necessary to provide the transaction flow in the Postal Savings Bank for six consecutive months, a copy of the business license and the vicinity of the house lease. Even if you are all complete, the amount approved will be lower.

Second, the postal credit card application procedures:

1 First, confirm that the nearby Postal Savings Bank has started the credit card business (the credit card business of Postal Savings Bank is relatively late, and many cities can't do it now);

2. Identity card; Work certificate or income certificate; Work phone, home phone and my mobile phone; Tax payment certificate; Proof of assets such as real estate and vehicles under the name of the individual; Other banks, credit cards and so on. The import standards of each bank are different, and the above information is not needed. According to different requirements of banks, postal savings banks generally need proof of work or income.

3. Find a credit card salesman or lobby teller to fill in the application form, and then submit the above information to the bank for review. Whether or not to approve the card and the amount of the card depends on the comprehensive score of the bank.

What is the credit card overdraft limit of Postal Savings Bank?

Some netizens left a message asking what is the credit card overdraft limit of the Postal Savings Bank? What if the overdraft limit exceeds the prescribed limit? Do you know the consultation of this netizen? It doesn't matter if I don't know. Let's take a look and give you a detailed introduction.

Postal credit card overdraft is divided into two types: early cash withdrawal and excess cash withdrawal. So, what is the single withdrawal amount of these two methods? According to the regulations of the Credit Card Center of the Postal Savings Bank, the amount of cash withdrawn from the ATM every day cannot exceed 2,000 yuan, and it can be withdrawn at most 3 times a day.

2000 yuan at a time, up to 3 times a day, that is, up to 6000 yuan a day, then the problem comes. What if the money is not enough? You can go to the postal savings bank outlets to handle related business. However, the cash withdrawal amount of credit cards at outlets does not exceed 65,438 yuan+0,000 yuan, and the bank staff will check the users who apply for cash withdrawal to ensure the security of credit card transactions.

The above is the content of the overdraft limit of postal credit card. Introduction,

, you can handle postal credit cards safely and quickly.

Introduction of Credit Card Withdrawal Operation in Postal Savings Bank

When away from home, many friends may encounter insufficient funds. At this time, cash withdrawal is a good solution. Let me take a look at the introduction of the credit card withdrawal operation of the Postal Savings Bank with the gold investment credit card.

First, the Postal Savings Bank credit card withdrawal fee

1, overdraft cash withdrawal

Domestic cash withdrawal is the handling fee of 1%, and the lowest is 10 yuan.

Overseas cash withdrawal 1% amount, the lowest 15 yuan.

2. Cash withdrawal for overpayment

Domestic cash withdrawal is the handling fee of 1%, and the lowest is 10 yuan.

Overseas cash withdrawal 1%, gold card 0.5%, minimum 15 yuan.

2. Credit card interest of Postal Savings Bank.

From the date of cash withdrawal, the bank will calculate the cash withdrawal interest at the daily interest rate of 0.5 ‰, and compound interest monthly until the arrears are paid off.

For example, Xiaobai took a credit card from the Postal Savings Office on October 5th, 65438/KLOC-0, and withdrew 5000 RMB from the ATM. Xiaobai Postal Savings Office has a monthly billing date of 15 and a repayment date of 25th, so the bill he received at 10 15 is the total interest of principal withdrawal (from the consumption date to the billing date), namely:

50005000 1%50000.05% 10=5075

On the 22nd repayment date, the bill only shows the interest from the 5th consumption date to 15 billing date. During the period from the billing date to the repayment date, the withdrawn principal still generates interest day by day, which is automatically included in the next billing cycle and appears on the bill of 1 15:

50000.05%7= 17.5

Note: This item is 65438+ 10 unpaid interest.

50000.05%70.05%23=0.20 125

Note: this item refers to the unpaid interest from June 65438+1October 22nd to June 65438+1October 5th.

3. Credit card withdrawal amount of Postal Savings Bank

Generally speaking, the withdrawal amount of Capka credit of the government reserve bank is 30% of the credit amount, and the withdrawal amount of gold card is 50% of the credit amount. Withdrawal fees and interest will take up the withdrawal amount.

Four, the Postal Savings Bank credit card withdrawal method

1, cash withdrawal at the counter

In China, RMB cash can be withdrawn at the counters of branches of Postal Savings Bank with credit cards and transaction passwords. You must enter the correct transaction password and sign the withdrawal voucher for confirmation.

2.ATM cash withdrawal

No matter at home or abroad, you can withdraw money from ATM machines with the card organization logo of postal savings credit card, and you must enter the correct transaction password when withdrawing money.

The above is the "Introduction of Credit Card Withdrawal Operation of Postal Savings Bank" that I introduced to you. I hope this article I compiled is useful to you. Want to know more about credit cards, I suggest you pay attention to Jintou Credit Card!

Disclaimer: The operation suggestions in this paper only represent the views of third parties and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Deal with it accordingly at your own risk.

Can the Postal Savings Bank handle overdraft card?

Postal Savings Bank can handle overdraft card.

(a) credit card application conditions:

1. At least 18 years old;

2. Urban and rural residents who have a fixed occupation and stable income and work in the place where their permanent residence is located;

3. Fill in the application form and sign it in person at the "Signature of the Applicant".

(two) to apply for a credit card, you need to provide the following information:

1. Copies of ID card, work certificate, income certificate, etc.

2. Provide bank deposit certificate, property certificate, degree certificate, etc. ;

3. If a person is registered in a foreign country, an overseas person applies for a job locally, and an active officer applies for a credit card in his own name, some card-issuing banks may require temporary accounts issued by the local public security department or certificates (including work certificates) issued by relevant departments.

(3) Credit card application is comprehensively evaluated by the system, and there are many reference factors, such as age, job stability, income, personal credit, etc., which are not determined by unilateral factors. Everyone's situation will be different, and it is difficult to compare with each other.

(4) In order to pass the comprehensive evaluation of the system and the judgment of the credit limit. Detailed application materials are as follows:

1. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the company official seal or personnel seal), or a copy of the work permit \ card verified and marked by the sponsor.

What about the postal overdraft credit card?

Postal savings bank credit card processing requirements are as follows:

1. Application location: local postal outlets.

2. Application conditions: 1, at least 18 years old with full capacity; 2. Have a stable repayment ability.

3. Submit proof: 1, ID card (required); 2. Work certificate or income certificate; 3. Proof of assets such as real estate and vehicles under the name of the individual; 4. Social security; 5, other bank credit cards and so on. The entry standards of each bank are different, so the above information may not be all, depending on the requirements of the bank. Work or income proof is very important.

4. Handling process: First, please ask the hall teller to fill out the application form. The other party will usually ask you to fill in the application form. You need to fill in your basic personal information, as well as your company phone number, home phone number and my mobile phone number. Two contacts (a relative and a friend) and their mobile phone numbers and fixed phone numbers. In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards. Fill in the form and submit it to the bank together with other supporting materials, and then wait patiently. Generally, the card will be issued in a month or so.

So much for the introduction of how to overdraw postal credit cards.