The Dingzhi Platinum Card is worth applying for. Currently, you are applying for a postal bank credit card. If you meet the qualifications, it is best to apply for the Dingzhi Platinum Card. The annual fee is 2,600, but within three months of opening the card, you have spent 58,000. He can use 200,000 points to deduct the first-year annual fee for four years. He can enjoy four VIP services at global airports or high-speed rail, as well as two domestic high-speed rail airport pick-up services, as well as other high-end rights and interests. .
PSBC has several types of cards:
1. Ordinary green card: current deposit, withdrawal, transfer, ATM withdrawal, POS consumption, online banking
2 , Green Cartoon Card: In addition to the functions of the ordinary green card, it has added time deposits, fixed deposits, and lump sum withdrawals. You can also apply for a supplementary card
3. Co-branded card: You can bind Alipay and Wealth It is more convenient to use Diandiantong to recharge QQ coins for online shopping
4. Credit card: For overdraft consumption, all cards require you to bring your ID card to the business window to apply for it (agents are not allowed), and deposit at least 10 yuan, except Except for credit cards, there is no annual fee for all others, but if the average daily balance is less than 100 yuan, a small management fee will be charged (standard 3 yuan per quarter)
Bank information: There is now a postal bank China Resources United Mining Card. If you apply for this card, you can also get China Resources points. Of course, it also has a card specially used for eating, drinking and having fun. It should be a regular card. In addition, there is a platinum card. Which one you need can contact the postal clerk. I think these two They are all relatively good, you can use them, and they are all formal banks affiliated with the state.
Characteristics of Postal Bank Credit Card
1. I really like provident fund users
Why I haven’t shared the application guide for Postal Bank credit card before? It’s because it values ??provident fund too much. , it is difficult to apply without a provident fund. As long as you have a social security provident fund and provide payment receipt when applying for a postal bank credit card, there is a 95% chance that you can get the card!
2. You can also apply for multiple credit lines
Some banks don’t like applicants for multiple credit lines, but the post office doesn’t care much about this. However, if you don’t have a provident fund or a good employer, you can apply for the card. It is more difficult, and there is no provident fund, so the credit card limit is relatively low;
3. It is difficult to increase the credit card limit
It is difficult to increase the limit of Postal Bank's credit card, and the limit increase is only 10 %-20%, generally it has to be more than 8 months before you can withdraw it. Because when you apply, you attach great importance to the provident fund and your workplace, so it is basically determined when you apply for the card. You want to raise the amount unless there is a major change in your personal assets!
4. The longest interest-free period is 50 days, and the repayment grace period is 3 days;
5. Loose risk control.