Postal savings bank credit card processing conditions:
Residents in China who have reached the age of 18, have full capacity for civil conduct, have a good reputation, and have a legal and stable source of income, as well as foreigners who live legally in China, can apply to the issuing bank for a personal postal savings credit card with valid identity documents recognized by the public security department and other supporting documents or materials designated by the issuing bank. Personal master card holders can apply for supplementary cards for their designated persons aged 16, and each master card can apply for up to 4 supplementary cards.
Credit card processing information
1. Applicants for primary and secondary cards must provide copies of their ID cards. Identity documents refer to one of resident identity cards, military officers' cards, Hong Kong and Macao residents' passes to and from the mainland, Taiwan Province compatriots' passes to and from the mainland and foreign passports.
2. Work certificate, copy of work permit, original work certificate issued by the work unit, copy of professional qualification certificate and copy of professional title.
3. Copy of proof of fixed residence, such as house ownership certificate, public housing lease agreement or public housing purchase agreement, etc. Applicants who work in a company (enterprise) generally need to provide proof documents of their real estate (copies of their real estate license, public housing lease agreement or public housing purchase agreement, housing loan contract and other materials).
Generally, postal services only accept real estate license, house purchase contract agreement and proof of public rental housing as proof of fixed residence, while private rental contracts and bills of utilities such as utilities, gas charges and fixed telephone charges are only recognized by postal services in some areas.
Civil servants and employees of public institutions do not need to provide proof of fixed residence, but employees of the company need proof of fixed residence. However, if the applicant can provide copies of qualifications such as master's degree or above, teachers/doctors, certified public accountants/certified tax agents/corporate legal advisers, it is not necessary to submit proof of fixed residence.
4. Copies of qualification certificate, teacher qualification certificate, lawyer qualification certificate, doctor qualification certificate, licensed pharmacist registration certificate, enterprise legal consultant qualification certificate, auctioneer qualification certificate, certified public accountant certificate, Chinese registered auditor certificate, etc.
5. Copy of postal housing loan contract and auto loan contract.
6. A copy of the national public official's work permit or the customer's personal financial card.
7. If you provide a copy of the postal "wealth management fund" account or a copy of the graduation certificate and degree certificate with a master's degree or above, it will speed up the card processing process.
The above items 1 are required, 2-6 items require at least one item to be submitted, and 7 items are supplementary materials. Rich and comprehensive proof materials will help to speed up the card processing and increase the credit limit.