2. Long-term overdue or large overdue amount.
3. The credit card is not used for a long time after activation, or the amount and frequency of credit card spending are seriously lower than the credit card limit. 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.