The main reasons are as follows:

1. The number of postal credit cards issued is very small;

2. You can only go to the counter of the postal bank to apply for it. Apply online;

3. Low card approval rate and few discounts.

1. China Postal Savings Credit Card is a standard credit card product. In addition to revolving credit, consumer installments, cash advance, optional password, and other services, the product also has air ticket and hotel reservations, supplementary card limit adjustment, 48-hour card loss protection, free transaction reminders, high-limit cash advance, and birthday double payment. Double points, exciting gift redemption and many other special services.

2. If you want to apply for the Postal Savings Bank Credit Card Gold Card, in addition to meeting the basic conditions for credit card application, you also need to meet the after-tax annual income of 5 in first-tier cities (such as Beijing, Shanghai, Guangzhou, and Shenzhen) Ten thousand yuan or more; second-tier cities (such as Zhengzhou, Chengdu, Xi'an, etc.) annual after-tax income of 40,000 yuan or more; other areas with annual income of 30,000 yuan or more.

3. The application conditions for Postal Bank credit card are:

1. The applicant must be over 18 years old, not over 60 years old, and have full capacity for civil conduct.

2. The applicant for the supplementary card must be over 16 years old and not over 60 years old, and be a direct relative of the main card holder.

3. Good personal credit, no overdue record.

4. Have a stable job and good income.

5. Have certain personal assets, such as real estate, vehicles, etc.

4. Postal Bank credit card limit is determined by many factors. Postal Savings will determine the credit card limit based on the information and credit status provided by the credit card holder when applying. This limit is used by the cardholder for overdraft. The maximum limit for consumption and cash withdrawal. If you hold multiple credit cards issued by Postal Savings, the maximum limit of the credit cards held under the cardholder's name will be used as the credit limit, not the sum of the credit limits of the multiple credit cards.

5. Postal Bank credit card limit is usually related to your current monthly income, employment industry, occupation, credit report, assets, etc. If it is your first time to apply for a credit card, you have no loan history, and your current work hours are short and you are an ordinary employee, then your credit card limit will be relatively low. If you have applied for a credit card, have a good personal credit record, and can provide proof of assets, the credit card limit will be relatively higher. Ordinary white-collar credit card limits range from a few thousand yuan to tens of thousands of yuan. The first credit card limit is usually low. It is recommended that you insist on swiping the card after receiving the card, repay the credit card in full and on time, and maintain a good card usage record, which will help increase your credit card limit.