Handling postal credit cards can be handled according to the following procedures. It's just whether or not to approve the card in the end, and how much to approve the card depends on the comprehensive score given to you by the bank.
1, ask a credit card salesman or lobby teller to fill out the application form.
2. Submit the following materials to the bank for approval.
① Personal ID card;
(2) proof of unit income;
③ Bank flow in the last six months;
4 personal property certificate, that is, materials that can prove personal financial resources;
Note: First of all, confirm whether the postal savings bank where you are located has opened a credit card business. Because the credit card business of Postal Savings Bank is relatively late, there are still many cities that can't do it now.
For more information about how to handle postal credit cards, please visit: See More.
What are the requirements for China Post to apply for a credit card? What materials are needed?
China Post can handle credit cards.
The conditions for handling the letter of credit are as follows:
1, age18;
2. Have a stable source of income;
To apply for a Postal Savings Bank credit card, you need to provide the following materials:
The application materials include, but are not limited to, personal identification certificate, copy of ID card, work certificate stamped with the company's official seal, employee badge and other income certificates, property certificates, personal deposits, wealth management products, stocks, real estate licenses, vehicle certificates, etc. It should be noted that if you want to successfully apply for a credit card of the Postal Savings Bank or apply for a credit card with a higher initial amount, you can provide it as much as possible when submitting a card application.
How to handle postal credit cards?
Applying for a credit card of the Postal Savings Bank can be handled in the following two ways:
1. Postal bank outlets can handle it by themselves with their ID cards, and bank staff will help them complete the operation.
2. Post Bank official website application.
superiority
Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.
You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).
It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.
Special merchants who hold cards in banks can enjoy preferential treatment.
Accumulate personal credit, add credit records to credit files, and benefit for life.
Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )
Credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )
Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )
disadvantaged
The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.
Blind consumption of credit cards is not like paying cash in a lump sum. I don't feel anything when I brush. A few figures lead to blind consumption and spending money like water.
Excessive consumption of notebooks, digital cameras and smart phones, while enjoying your favorite items in advance, you should also consider whether you can repay them.
High interest If you can't get a credit card and can't repay on time when the final repayment date comes, the bank will charge you high interest. (The minimum repayment amount of a credit card in the first month shall not be less than10% of the overdraft amount in the current month) [8]
Credit cards that need to pay an annual fee basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee.
Stealing a credit card is basically a default credit card consumption without password, which is easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss; But in fact, credit cards can also be charged by passwords-it depends on how you manage your credit cards. Of course, many people have not cancelled their credit cards because of their lack of experience in this field, and some lawless elements have reapplied for credit card overdraft, which is not worth it.
Long-term malicious arrears that affect personal credit records will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.
CCTV reported that a cardholder received a bank bill several months after paying off all debts and canceling his credit card, and what happened afterwards made him miserable. This article named "Unknown Credit Card" exposes the disadvantages of current credit cards.
Although credit cards have an interest-free period, they are only for credit card consumption. There is no interest-free period for cashing, and a handling fee is charged.
Can the Postal Savings Bank handle credit cards?
You can apply for a credit card at the postal bank, as long as you meet the application conditions, provided that:
1, age 18, with valid ID card;
2. Have a legal and stable job and income;
3. Have good credit.
: The postal credit card application process is as follows:
1, find a credit card salesman or lobby teller to fill out 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 card approval depends on the comprehensive score of the bank.
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. First make sure that the postal savings bank where you are located has started the credit card business (the credit card business of the postal bank is relatively late, and there are still many cities that can't do it now).
What about the credit card (debit card) of the Postal Savings Bank?
1. Online banking: log in to the online banking of Postal Savings Bank, click "Credit Card (Debit Card) Application" on the home page, select the credit card (Debit Card) you want to apply for according to the page, click "Apply" and enter relevant information.
2. Mobile banking: Click "Investment and Finance" and "More", select "I want to apply for a card" and click "Apply for a credit card (debit card)".
3. Bank outlets: Applicants can bring ID cards, proof of work income or proof of assets to the postal bank outlets.
4. WeChat official account: Pay attention to the public account of "Postal Credit Card (Debit Card)", click "Ding Me", select "Apply/Activate", click "I want to apply for a card", select the credit card (Debit Card) you want to apply for on the page, click "Apply" and enter relevant information.
5. Mobile app: Download the Postal Savings Credit Card (Credit Card) APP, click Select, select the application card, click the credit card (credit card) master card application, select the card you like, and click I want to apply for a card.
Can the postal service handle credit cards?
Can the postal service handle credit cards?
Postal savings bank can handle credit cards.
Credit card application conditions: 1, at least 18 years old; 2. Hold a valid ID card; 3. No bad credit record; 4. Have a fixed work certificate; 5 proof of income stamped with the financial seal of the unit; 6. Other financial certificates; 7. Social endowment insurance certificate;
Yes, counter processing flow:
1. Go to the bank outlet that handles credit cards, or find the staff of the credit card center of the local bank and fill out the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information;
2. Submit copies of certain certificates and vouchers to the issuing bank;
3. After the contents of the application form are truthfully filled in, relevant credit certificates shall be submitted at the same time as the application form is filled in;
The application form is accompanied by a credit card contract. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have his signature;
5. The credit card processing process is basically completed, waiting for the issuance of credit cards.
Yes, the Postal Savings Bank has a credit card business.
Just bring your ID card, proof of work income and other economic certificates to the outlets.
Can the postal service handle credit cards?
no problem
First, there are two main conditions for applying for a credit card:
1, age requirement: 18-60 years old;
2. Have a stable job and income source.
Second, the materials and certificates that need to be provided when handling:
1. Domestic residents only need to provide: a completed and signed application form, identification documents, residence documents and income documents;
2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit;
3. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the opening date shall also be provided.
3. If you want to apply for a credit card with a large amount, you need to provide proof materials with good economic strength, such as a copy of real estate license and automobile driving license; Bank borrower (good credit, no more than 60 days overdue) or copy of deposit certificate, etc.
Can the postal service handle credit cards?
Now you have postal savings and a credit card.
Yes, but the restrictions are relatively high, mainly for the staff of public institutions.
Can I apply for postal credit card with postal currency card?
Yes, we can apply for a card under the package.
How many credit cards can the post handle?
It is enough to have one credit card in the same bank, and it is meaningless to handle multiple credit card limits in the same bank.
Can I transfer the postcard to my credit card?
No, for the following reasons:
1. Credit card cannot be used for transfer;
Two, China Construction Bank credit card withdrawal regardless of local different places, the bank or inter-bank, the specific charges are as follows:
1. Domestic: 1% of the cash withdrawal amount, with the lowest 2 yuan and the highest 100 yuan;
2. Overseas (UnionPay network): (1% withdrawal amount 12 yuan)/transaction, minimum 14 yuan;
3. Overseas (non-bank network): 3% of the cash withdrawal amount, with a minimum of $3 (European tourist card: 3).
Can I apply for a postal credit card with a postal bank card?
China Post can handle credit cards.
The conditions for handling the letter of credit are as follows:
1, age18;
2. Have a stable source of income;
To apply for a Postal Savings Bank credit card, you need to provide the following materials:
The application materials include, but are not limited to, personal identification certificate, copy of ID card, work certificate stamped with the company's official seal, employee badge and other income certificates, property certificates, personal deposits, wealth management products, stocks, real estate licenses, vehicle certificates, etc. It should be noted that if you want to successfully apply for a credit card of the Postal Savings Bank or apply for a credit card with a higher initial amount, you can provide it as much as possible when submitting a card application.
Introduction of credit card processing in Postal Savings Bank and how to inquire about the progress of credit card processing in Postal Savings Bank is over. I wonder if you have found the information you need?