To apply for a credit card, the most important conditions are that you have reached the age of 18-60 and have a stable job and income. The necessary application documents are a copy of your identity certificate and work certificate, both of which are indispensable. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit. The specific application materials are as follows: 1. Identification: generally, it is an ID card; 2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the company's official seal, personnel seal or financial seal), or a copy of the work permit \ card verified and marked by the sponsor; Or the bank's unified income certificate is stamped. 3. Proof of financial resources: If you want to apply for a large credit card or gold card, it is recommended to provide more financial information. It can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit and an investment (such as a copy of a real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc. Mainly a copy of your certificate of deposit, real estate license and driving license of high-end private car. If you can provide relatively complete financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit.

Is it easy to apply for a credit card online at the Postal Savings Bank?

The credit card review of the Postal Savings Bank will be stricter, so it will be more difficult. It is recommended to go to the outlet to handle it.

Postal savings bank credit card (debit card) processing flow:

① Log in to official website to apply for a credit card and submit relevant materials;

(2) Submit the information needed to handle the credit card to the bank;

③ Fill in the credit card application form;

4 Waiting for approval, the bank will issue a credit card.

Materials that need to be treated in the dot.

① Personal ID card;

(2) proof of unit income;

③ Bank flow in the last six months;

(4) personal property certificate;

⑤ Other materials that can prove personal financial resources.

CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, serial number and cardholder's name printed on the front, and the card surface has a chip, a magnetic stripe and a signature strip.

Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

The credit card stipulated in the relevant laws (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards in the Criminal Law of People's Republic of China (PRC)) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of functions such as consumer payment, credit loan, transfer settlement and cash deposit and withdrawal.

Is the credit card of Postal Savings Bank easy to handle?

Whether the credit card of the Postal Savings Bank is easy to handle varies from person to person. Basically, your credit is fine, and you can handle it with a certain repayment ability. However, if your personal credit information is poor, it will affect your card handling. Therefore, it is easier to get a card by keeping good repayment habits.

For more information about the credit card of Postal Savings Bank, please visit: See More.

Is it easy to apply for a postal credit card (debit card)?

Chinese mainland residents aged 18 to 60 can apply for a credit card (debit card) of China Postal Savings Bank. The materials required to apply for the card are a copy of the applicant's ID card and work certificate, and the optional materials are any one of financial certificate and proof of relationship with the Postal Savings Bank.

Postal credit cards (debit cards) can only be handled at business outlets, not online, which requires higher credit status of applicants. Compared with other bank credit cards (credit cards), the review is stricter, so it is not particularly good to apply.

Is postal credit card easy to handle?

It is not difficult for the Postal Savings Bank to apply for a credit card.

As long as the age meets the requirements, you have a fixed job and good credit, you can basically approve the card.

Friends who want to apply for a credit card of the Postal Savings Bank only need to prepare their identity documents, work income certificates and asset financial certificates.

Postal savings bank credit card application conditions are as follows:

1. Applicants who apply for the master card of the Postal Savings Credit Card must be Chinese mainland residents aged 18 and under 60; Applicants for the supplementary card of the Postal Savings Credit Card must be Chinese mainland residents under the age of 60.

2. Applicants need to have legal and stable work income.

3. The applicant's personal credit should be good, and there is no record of overdue repayment of bad cards.

4. Supplementary card application conditions: the supplementary card holder must be a relative of the main card holder, that is, the parents, children, siblings or spouses of the main card holder.

Postal credit card application procedures are as follows:

1, find a credit card salesman or lobby teller to fill out the application form, and then submit the above information to the bank for review. Whether or not to approve the card and the amount of card approval depends on the comprehensive score of the bank.

2. Identity card; Work certificate or income certificate; Work phone, home phone and my mobile phone; Tax payment certificate; Proof of assets such as real estate and vehicles under the name of the individual; Other banks, credit cards and so on. The import standards of each bank are different, so the above information is not necessary, depending on the requirements of the bank.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and++social demand.

Main types

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

Is it easy to apply for a postal credit card?

Good application.

I. Credit card status of Postal Savings Bank

China residents, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan who need the applicant to be at least 18 years old, with full capacity for civil conduct and good credit standing can apply for a personal credit card master card with their valid identity documents. Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.

Cardholders should have stable repayment ability.

Second, fill out the application form.

Three, the Postal Savings Bank credit card to provide the required proof.

Postal savings in China can be traced back to the postal savings business started in 19 19, which has a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading battle-listing in A and H" was successfully completed.

The bank has nearly 40,000 outlets, serving more than 600 million individual customers, giving full play to the unique mode advantage of "self-support+agency" to serve "agriculture, rural areas and farmers", urban and rural residents and small and medium-sized enterprises. With excellent asset quality and remarkable growth potential, the Bank is a leading large retail bank in China.

The Bank insists on serving the real economy, actively implements the national strategy, supports the construction of China's modern economic system, and realizes its own sustainable development. Adhere to customer-centric, build an online and offline integrated financial service system, and provide our customers with high-quality, convenient and efficient integrated financial services. Adhere to the risk orientation, constantly improve the "all-round, all-round, all-staff" comprehensive risk management system construction, and maintain the excellent level of asset quality. Adhere to the mission of "inclusive urban and rural areas, so that financial services have no distance" and provide inclusive finance services; Follow the trend of residents' wealth growth and consumption upgrading, and develop wealth finance; Support the transformation and upgrading of industrial structure and develop industrial finance; Implement the major deployment of peak carbon dioxide emissions and carbon neutrality, and develop green finance. Empower high-quality development with financial technology and build a digital eco-bank that serves rural revitalization and new urbanization.

After 14 years' efforts, our market position and influence are increasingly prominent. Fitch and Moody's respectively gave the bank A+ and A 1 ratings consistent with China++,Standard & Poor's Global gave it an A rating, Standard & Poor's Credit Rating gave it an AAAspc rating, and China Chengxin International gave it an AAA rating. The prospect is stable. In 20021year, the Bank's Tier 1 capital ranked 15 in the "Top Global Banks 1000" published by The Banker.

Facing the promising period of strategic opportunities for China's economic and social development, the Bank will base itself on the new stage of development, implement new development concepts, serve the new pattern of development, comprehensively deepen reform and innovation, and strive to build itself into a first-class large-scale retail bank with customers' trust, distinctive features, stability and security, innovation-driven and excellent value.

Are the Postal Savings Bank Credit Card and Postal Savings Bank Credit Card easy to handle? Now the introduction is over. I wonder if you have found the information you need?