The Postal Savings Bank has branches all over the country, so it is very convenient to handle business. If users have deposits in the Postal Savings Bank, they can also try to apply for a credit card, such as the owner card of the Postal Savings Bank. This card can provide users with rights and interests such as refueling cash back and car service rights, and it is one of the necessary credit cards for car owners. Moreover, the owner's card of the Postal Savings Bank has three grades: Puka, Gold Card and Platinum Card, which are suitable for cardholders with different qualifications. Next, Bian Xiao will introduce the card to you in detail.

The credit card limit is related to the applicant's credit status and the credit card level of the credit card application platform. From the perspective of different card levels, the credit card quota of Postal Savings Bank follows the following quota division standards: ordinary cards, with a maximum quota of 654.38+100000 yuan; Gold card, the maximum amount is 50,000 yuan, and the specific initial credit line depends on the credit conditions; Platinum card, the minimum amount is 50 thousand yuan, the better the credit conditions, the higher the amount of the card, the upper limit can reach 1 million. The initial amount of the owner card of the Postal Savings Bank is generally determined by the bank after comprehensive scoring according to the applicant's credit status. Therefore, it may happen that the amount of the card obtained by the user is low.

Because the owner card of the Postal Savings Bank includes three levels: Puka, Gold Card and Platinum Card, among which Puka is a virtual Kaka, which can be quickly issued and bound. In real time; Gold and platinum cards are physical cards, which can provide supporting rights such as refueling and car service. The annual fee for different levels of car owners' cards is charged according to the card-level charging standard corresponding to the Postal Savings Bank. Puka: Free annual fee for life; Gold card: main card 125 yuan/year, and auxiliary card 60 yuan/year. Free of annual fee in the first year, and free of annual fee in the second year after the first year has been brushed for 6 times, excluding cash withdrawal; Platinum card: according to the annual fee standard of Dingya Platinum Card, the main card is 500 yuan/year and the auxiliary card is 200 yuan/year; The annual fee is free in the first year. After spending 70,000 yuan or 20 times (the main and auxiliary cards are calculated separately), the annual fee of the main and auxiliary cards in the next year will be reduced.

In order to increase the limit of the owner's card of the Postal Savings Bank, it is best to use more cards every day, regardless of the limit, try to diversify the transaction types, avoid the suspicion of cashing out, and normalize daily transactions, especially cashing out intermediaries. In addition, the user's repayment behavior must be kept good, and the repayment should be made in full and on time to avoid overdue.