1, Advantages: Free of annual fee forever, unlike most bank credit cards, which can only be exempted if they reach a certain amount or number of times. No matter what grade of credit card, the Postal Savings Bank credit card is free of annual fee as long as it is opened, and you can freely choose the billing date. The credit card of Postal Savings Bank has multiple billing days. Users can change the billing days as needed, and consumers can enjoy an interest-free repayment period of up to 50 days.
2. Disadvantages: The credit limit of credit cards is generally low and the approval is strict. At present, many second-and third-tier cities have no credit card business, and there are few types of credit cards. The range of cards to choose from is very small, and there are few credit card preferential activities.