First, the conditions for handling the postal credit card gold card
The conditions for handling the China Postal Savings Credit Card Gold Card are relatively relaxed, as long as you meet the following conditions:
1, age requirement: domestic residents must be 18-65 years old;
2. Job requirements: have a stable work unit, income and fixed residence; 3. Credit requirements: No bad credit record (how to establish a good credit record) If you need to apply for supplementary cards, the applicant for supplementary cards must be the parents, brothers and sisters, spouses or children of the applicant for the main card, aged between 16-65, and a main card can apply for up to 4 supplementary cards.
II. Information required for handling the gold card of China Postal Savings Credit Card.
The application materials of postal savings credit card vary according to the applicant's conditions and the card applied for. You can freely choose the appropriate application materials according to your own situation.
Case 1: If you are not a customer of postal savings, but you have a credit card from another bank, and it has been issued for more than half a year, then it is suggested that you apply for a postal savings credit card quickly by "handling the card".
The "card-to-card" method requires attention:
1. There is no overdue record of other banks' credit cards for more than 30 days within 6 months; 2. The credit line is not less than 5,000 yuan; If you have more than three credit cards from other banks, and the credit limit exceeds 90%, banks will generally refuse to handle them. I suggest that you don't blindly handle credit cards.
Case 2: If you are not a postal savings customer, have no other bank credit card, and apply for a postal savings credit card for the first time, you need to prepare the following information:
1. Identity information: copy of resident ID card or military officer's card; If you are a Hong Kong and Macao compatriot, you need to provide a copy of your mainland pass and residence certificate for more than one year; Non-local household registration applicants need to provide proof of residence. 2. Copy of driving license of private car, original employment certificate issued by the company (stamped with the official seal or personnel seal of the company) or professional qualification certificate, such as copy of lawyer's practice certificate and copy of registered auditor's qualification certificate, etc.
3. If the primary and secondary cards of the postal savings credit card are applied at the same time, please provide a copy of the applicant's ID card of the secondary card.
If you apply for a supplementary card of the Postal Savings Credit Card separately, in addition to providing a copy of the identity certificate of the applicant for the supplementary card, the cardholder of the main card must fill in the main card on the application form and sign it.
What's the difference between a postal gold card and an ordinary card?
The difference between gold card and ordinary card of credit card of Postal Savings Bank;
1, different colors:
Puka is mainly dark green, and gold card is mainly gold.
2. Different credit lines:
The credit line varies greatly. The credit limit of a credit card is usually 3000 to 50000 yuan, and that of a gold card is usually 50000 yuan to 100000 yuan. Jinka is much taller than Puka.
3. Different annual fees:
Because the amount of gold card is higher, the annual fee of credit card gold card is much higher than that of ordinary card. Take the standard credit card of the Postal Savings Office as an example. The annual fee for the gold card is RMB, and the ordinary card is exempt from the annual fee.
4. Different offers:
Because the credit card gold card is higher than the ordinary card, there are usually some discounts that the ordinary card does not have. Gold card symbolizes honor and dignity, and shows identity. Gold card holders can enjoy more credit card benefits and conveniences. Gold cards have more rights and interests on many occasions and credit cards at home and abroad.
5. The application requirements for gold cards are higher than those for ordinary cards (including financial status such as job stability and income, etc.). ).
Postal credit card, gold card or ordinary card?
Postal credit card gold card.
The difference between gold card and ordinary card of credit card of Postal Savings Bank;
1. Different colors, each credit card has different patterns and styles, but this difference is more obvious on the general card. In order to highlight the difference, most bank gold cards will use gold as the main color element of the card. Puka is mainly dark green, and gold card is mainly gold.
2. The credit line is different. The credit lines of gold cards and ordinary cards of the Postal Savings Bank are quite different. The credit limit of a credit card is usually 3000 to 50000 yuan, and that of a gold card is usually 50000 yuan to 100000 yuan. Jinka is much taller than Puka.
3. The annual fee is different. Gold card has an annual fee, while Puka is free.
4. The discount is different. Because the credit card Gold Card is better than Puka Card, Qualcomm often has some discounts that Puka Card does not have.
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, consumption installment, cash advance and optional password. 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 genuine credit card that meets international standards, so that cardholders can enjoy the convenience and benefits of "spending first and then repaying" at home and abroad, and they can use the card without worry at any time and place.
Product features: This time, the Gold Card product has been fully upgraded in six aspects, such as safety, convenience and intelligent financial management, to provide cardholders with a better card experience.
Exclusive 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%.
China Postal Savings Bank credit card is a RMB credit card, which is a UnionPay standard card. It has all the functions and services of a UnionPay standard credit card and can be freely consumed 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 more than 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.
How about the gold card of China Postal Savings Bank?
The conditions for applying for a gold card in China Postal Savings Bank are as follows:
1. The specific criteria is that a single individual customer (confirmed by his/her personal ID number) can apply to become a green card VIP gold card customer of the Postal Savings Bank if his/her financial assets in the latest quarter have been converted at least RMB 50,000 per day.
2. The qualification of the gold card should be dynamically adjusted. If the cardholder's rating in a quarter fails to meet the above standards, he will no longer enjoy preferential business tariffs in the next quarter.
Customers who meet the above conditions can apply for a gold card at the counter of the local Postal Savings Bank with their valid identity documents.
There are two kinds of gold cards for postal savings: one is a credit card gold card, and the other is a big customer gold card.
Credit gold cards have advantages in points and quotas; When handling business, you can enjoy the right to handle the gold card for large customers and enjoy the special room for customers. You don't need to make an appointment in advance to go to a large amount.
Extended data:
Specific function
1, real-time transaction reminder-as long as there is a transaction in your account, you can receive a transaction SMS reminder from the Postal Savings Bank for free.
2.50% withdrawal ratio-Gold card holders can enjoy a maximum withdrawal ratio of 50%.
3. Exclusive gift exchange-Postal Savings Bank provides exclusive gold card gift exchange for gold card holders. Gifts are high-grade, diverse, exquisite and practical.
4. Birthday double points-1 yuan 1 points, permanently valid, birthday double points.
5. Enjoy VIP service-Gold card holders of Postal Savings Credit Card can enjoy priority queuing service when handling business at the customer service hotline of Postal Savings Bank.
6. Emergency quota adjustment-When the customer has an emergency quota demand and meets the conditions for temporary quota adjustment of the Postal Savings Bank, the temporary quota adjustment can be realized within 24 hours.
7. 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.