Question 1: What good credit cards does the Postal Savings Bank have? China Postal Savings Bank has a gold card and a universal card, but they are both tools for banks to make money. The gold card has a larger overdraft limit, more discounts and, of course, a higher annual fee.

The credit card of China Postal Savings Bank mainly depends on the personal credit of the bank. If personal credit is good, you can apply. The specific application conditions are as follows.

Application place: 1, local ICBC outlet; 2. Local ICBC Credit Card Center staff; 3. official website application of China Merchants Bank.

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

Submit proof: 1, ID card; 2. Work certificate or income certificate; 3. Work phone, home phone and my mobile phone; 4. Tax payment certificate or real estate vehicle under his own name; 5. Other bank credit cards, etc. The above information is not necessarily, depending on the bank requirements, work or income.

Note: Proof is very important.

Question 2: What are the advantages and disadvantages of the credit card of Postal Savings Bank? Advantages: Free annual fee for life. Chickens are also exempt from inspection in disguise.

Disadvantages: low quota and difficult approval. Now many second-and third-tier cities don't do business. There are few cards and activities, and online banking is almost blank.

Question 3: What about the credit card of postal savings? Compared with other credit cards, the credit card of Postal Savings Bank has the advantages of free annual fee, modifiable bill date, high quota, multiple installments and low handling fee.

-Puka

Permanent free of annual fee: the main card and the auxiliary card are permanently free of annual fee, free of annual fee expenditure, and can be swiped at will.

Optional installment payment: you can choose "any installment" bill installment and "transaction installment", with no interest and low handling fee.

Password and SMS double protection: activate the card through the 24-hour customer service hotline, set the transaction password and inquiry password online in real time, or log in to online banking for real-time online activation, which is safe and fast.

Enjoy an interest-free repayment period of up to 50 days: up to 50 days and up to 20 days, so that you can enjoy a leisurely life first.

Optional billing date: You can choose any day on the 3rd of each month, and 16 is the billing date, which is convenient for you to arrange repayment flexibly.

Permanently valid points: once you spend one yuan, the points are permanently valid, and the points can be transferred and exchanged, making it easy to realize the points plan.

-exclusive gold card service

Real-time transaction reminder-As long as there is a transaction in your account, you can receive the transaction SMS reminder sent by our bank for free.

50% withdrawal ratio-Gold card holders can enjoy a maximum withdrawal ratio of 50%.

Exclusive gift exchange-We will provide exclusive gold card gift exchange for gold card holders. Gifts are high-grade, diverse, exquisite and practical.

Birthday double points-1 yuan 1 points, permanently valid, birthday double points.

Enjoy VIP service-gold card holders of postal savings credit cards can enjoy priority queuing service when handling business at our customer service hotline.

Emergency adjustment-when the customer needs emergency adjustment, and it meets the conditions of the Bank's temporary adjustment, the temporary adjustment can be realized within 24 hours.

Credit limit control of secondary card-you can freely set the credit limit of secondary card, which can be shared with the main card or set according to a certain proportion or amount of the credit limit of the main card.

Gold card advantages:

Free SMS reminds users to swipe their cards more safely.

48-hour card loss guarantee, using the card is safer.

Birthday double points

Colorful gift exchange, have the opportunity to get exclusive gifts.

Online banking/online payment

MMS, electronic bills

VIP customer service, better card experience.

A variety of repayment methods, optional multi-stage installment.

Convenient air ticket booking makes travel more convenient.

The Postal Savings Bank offers a variety of repayment methods for you to choose from. At present, there are 36,000 outlets in China. Repayment can be made at any outlet, or through online banking or ATM. In addition, you can also contact your personal current settlement account for repayment, which is particularly convenient.

Our bank will immediately send a free SMS reminder to the general card consumption above 500 yuan, and the gold card will receive a free SMS reminder as long as there is a transaction. We provide 48-hour card loss protection service for gold card customers, which makes it safer to use the card.

Question 4: Is postal credit card easy to handle? I mainly need your economic proof, education certificate, ID card, work permit, real estate license, driver's license, etc. It is easier to get, so the amount will be higher. Generally, the card will be issued about half a month.

Question 5: Which is better, a credit card or a postal card? There is no comparability. Credit cards have the characteristics of credit cards, and postal currency cards have the characteristics of postal currency cards. The former can overdraw consumption in advance and is convenient to use. The latter can be used for deposit, with many outlets and convenient use.

Question 6: What are the advantages of the credit card of Postal Savings Bank? Advantages: Free annual fee for life. Other banks are also exempted in disguise.

Disadvantages: low quota and difficult approval. Now many second-and third-tier cities don't do business. There are few cards and activities, and online banking is almost blank.

Question 7: Which is better, the Postal Savings Credit Card or the Bank of Communications Credit Card? It is clearly the Bank of Communications, with a high quota and fast card issuance. Few people use the postal savings office.

Question 8: Postal Savings Credit Card What kind of card does an individual have? Frequent withdrawal of credit cards will affect the credibility, because if you withdraw money from a bank, the bank will doubt your financial ability.

1. Generally, credit cards cannot be fully cashed out, but they can be fully or overspent. If you use a credit card, you can choose the minimum repayment amount, but if you use a credit card to withdraw cash from the bank, you usually have to pay in full.

2. Credit card withdrawal has no interest-free period. The bank charges five ten thousandths of interest every day. At the same time, for each loan, the corresponding handling fee is charged according to different banks.

Question 9: It is the same whether the industrial and commercial credit card is good or the China Post credit card is good, that is, it depends on which is convenient when you repay the loan. ...

Question 10: which is better to apply for a credit card now? Which is better, people's livelihood or postal service? It is best to use investment promotion and transportation, and have more activities.

What about the credit card of the Postal Savings Bank?

Personally, I don't think it is particularly suitable for the public.

Why do you say that? Because the credit card audience of the Postal Savings Bank is actually very narrow, this means that for daily consumers, the use of credit cards in the Postal Savings Bank will be limited to some extent. If the credit card you apply for is only for daily consumption or daily travel, I don't particularly recommend applying for a credit card from the Postal Savings Bank.

Let's learn about the functions of credit cards first.

Different people will have different habits and scenarios when using credit cards, which means that everyone needs to apply for different types of credit cards according to their actual needs. No matter which bank's credit card, the basic functions of the credit card are basically the same, which means that we need to consider the additional functions of the credit card when handling the credit card. I suggest you first consider how you will use a credit card, and then apply for a suitable credit card according to your own needs.

The credit card function of the Postal Savings Bank is actually not that much.

The reason is simple, because the credit card share of the Postal Savings Bank is very low. The credit cards we often mention are mainly large banks such as Industrial and Commercial Bank of China and Ping An Bank. Their credit card business accounts for a very high proportion of the total business, and their services will naturally be more comprehensive. To some extent, handling the credit card of the Postal Savings Bank may limit some of your consumption, at least it is not so comfortable and convenient to use.

You can apply for a credit card from a commercial bank.

If you don't want to apply for a state-owned bank credit card, or feel that the function of a state-owned bank credit card is somewhat single, you can apply for credit cards from commercial banks such as Industrial Bank and Ping An Bank. I don't want to promote the credit cards of these banks, because I think the credit cards of these banks do have many functions and are also suitable for various consumption scenarios.

Finally, no matter which bank's credit card it is, I think as long as it meets your consumption needs and consumption scenarios, this bank's credit card is the most suitable credit card for you.

How about a postal credit card?

Postal credit card is a very formal loan platform, which can be used with confidence.

Postal savings credit card is a RMB credit card, which is a UnionPay standard card. It has all the functions and services of UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years and can be equipped with four supplementary cards. The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding", the background color of Puka is blue-green, and the background color of Gold Card is golden yellow.

According to statistics, by 20 10 to 10, China Postal Savings Bank had completely covered all cities, 2 100 counties, cities and major towns, and about 4,500 outlets across the country had started this business. In just a few years, China Postal Savings Bank has developed very rapidly. From its opening to 20 10 and 10, China Postal Savings Bank issued nearly 4 million loans nationwide, amounting to over 230 billion yuan, with an average loan of about 59,000 yuan. China Postal Savings Bank issued150 billion yuan in rural areas at or below the county level.

I. Types of credit cards

Pukezhubei

gold card

Ziyou yizu co-branded card

China-Delta Travel Card

China Hainan International Tourism Island Card

Postal savings travel credit card

Postal savings bank Qiandaohu tourism joint credit card

Postal savings bank Zhongyuan gourmet credit card

Anhui Communications Union Credit Card

All-currency credit card

Second, function

Optional installment payment: you can choose "any installment" bill installment and "transaction installment", with no interest and low handling fee.

Password and SMS double protection: activate the card through the 24-hour customer service hotline, set the transaction password and inquiry password online in real time, or log in to online banking for real-time online activation, which is safe and fast.

Enjoy an interest-free repayment period of up to 50 days: up to 50 days and up to 20 days, so that you can enjoy a leisurely life first.

Optional billing date: a variety of billing dates are available for you to choose, which is convenient for you to flexibly arrange repayment.

Points are permanently valid: you can spend one yuan to accumulate one point, and the points are permanently valid, and the points can be transferred and exchanged, so that various points plans can be easily realized.

Special purpose

Customers can choose "signature password" or "signature" for spending, and can make changes through customer service hotline or online banking according to their own card usage habits. If applying for monthly SMS service, cardholders can flexibly set the initial amount of notification SMS according to their actual needs, and monitor the changes of account funds in real time to ensure the safety of card use.

product value

In the process of product design, Postal Savings Bank fully draws lessons from the functions and characteristics of credit card products of other banks. On the basis of closely combining the business development status of the Postal Savings Bank, an economical, practical and distinctive credit card product was tailored for the potential customers of the Postal Savings Bank. "Convenience", "Affordability" and "Safety" are the core values of the Postal Savings Credit Card.

How about a postal savings credit card? What kinds of credit cards are there?

1, Puka

Both the main card and the auxiliary card are permanently free of annual fees and expenses, and you can swipe your card at will. You can activate the card through the 24-hour customer service hotline, set the transaction password and inquiry password online in real time, or log in to online banking for real-time online activation, which is safe and fast.

2. Gold card

China Postal Savings Credit Card Gold Card is a standard credit card product specially developed for middle and high-end people. In addition, there are services such as revolving credit, installment consumption, cash advance and password selection. The product also has many special services, such as air ticket hotel reservation, supplementary card quota adjustment, 48-hour card loss guarantee, free transaction reminder, high cash advance, double birthday points, wonderful gift exchange and so on. It is a credit card that truly meets international standards.

3. Self-mailing group joint credit card

The self-postal credit card is a UnionPay standard RMB gold card, which was jointly signed by China Postal Savings Bank (hereinafter referred to as the Bank) and the "self-postal" brand of Guangdong Post Company. In addition to the original functions and services of our Gold Card, the products have added a series of self-service mailing services, including but not limited to vehicle violation information inquiry, handling local traffic police tickets, paying travel tax/annual ticket, handling annual renewal of driver's license and purchasing vehicle insurance. It's a credit card for our car owners to provide all-round car butler service.

4. China-Delta Travel Card

To commemorate the 60th anniversary of peaceful liberation, the Bank specially designed the "China-Damei Travel Card", which is a standard RMB personal credit card of UnionPay and the product grade is gold card. On the basis of the original functions and services of the gold card, the rich local tourism resources are superimposed, so that cardholders can enjoy the beautiful scenery and the quality and caring service of the tourist card.

5. Visit China-Hainan International Tourism Island Card.

China Hainan International Tourism Island Card is a high-quality payment tool tailored for you who like tropical island customs. Set credit card payment, discounts, consumer guide and other multiple functions in one, from food, housing, transportation, shopping, entertainment everything. While spending happily and paying easily, you can also enjoy the preferential discounts and surprises brought by our bank. Beautiful natural scenery and pleasant punching experience are all in Hainan International Tourism Island.

6. Postal savings travel credit card

Postal Savings Tongcheng Tourism Credit Card was jointly signed by Jiangsu Branch of China Postal Savings Bank and Tongcheng Tourism. Com, which aims to provide "one-stop" business travel service for customers with tourism and leisure needs. As a gold member of Tongcheng, cardholders can enjoy the existing functions and services of our credit card. Com, you can enjoy all kinds of value-added services and exclusive benefits provided by Tongcheng. com。 This product is a UnionPay standard RMB personal credit card, and the product grade is gold card. Distribution: Jiangsu Province.

7. Postal savings Qiandao Lake tourism joint credit card

The Qiandao Lake Tourism Co-branded Credit Card of China Postal Savings Bank and Chun 'an County People's Government of Zhejiang Province is the first co-branded credit card with the theme of "Qiandao Lake Tourism" in China. This card is a UnionPay standard RMB personal credit card, which is divided into two grades: gold card and ordinary card. It combines the dual functions of basic financial services and urban tourism services to meet the five comprehensive needs of cardholders when traveling in Qiandao Lake. Distribution area: the first batch is limited to Zhejiang (excluding Ningbo), Anhui, Jiangxi and Shandong provinces.

8. Postal Savings Bank Zhongyuan Food Credit Card

Zhongyuan Food Card of Postal Savings Bank is the first joint credit card with the theme of food in Henan Province jointly issued by Henan Branch of China Postal Savings Bank and Henan Restaurant and Hotel Industry Association. This card is a UnionPay standard RMB personal credit card, which is a gold card product of our bank. The validity period of the card is 3 years, the credit line is 1 0,000-10,000 yuan, and the annual fee of the card is 200 yuan/year (the annual fee is exempted in the first year, and the annual fee is exempted in the following year if the card is swiped10 times). This card combines the basic services of standard credit card and the dual functions of discount for catering merchants. Distribution: Henan Province (temporary).

9. Anhui Communications Co-branded Credit Card of Postal Savings Bank is a co-branded credit card jointly issued by China Postal Savings Bank and Anhui Expressway Networking Co., Ltd. It is the first IC credit card product in China. The card is divided into gold card and ordinary card, which has all the functions of IC credit card of Postal Savings Bank and all the rights and interests of credit cards of the same level. At the same time, it has the function of paying highway tolls with traffic cards, which can be used for parking and swiping cards on expressways in Anhui, Jiangsu, Zhejiang, Jiangxi, Fujian and other provinces and Shanghai or passing through ETC and MTC lanes. Only issued in Anhui province.

What about the credit card of the Postal Savings Bank?

hello

The credit card of the Postal Savings Bank is still good. After all, it is the fifth largest bank in the state, and its policies and quotas are acceptable and worth having.

So much for the introduction of the credit card of Postal Savings Bank.