1. Telephone application: When customers need to cancel their credit cards, they can call the credit card customer service hotline of Postal Savings Bank and ask the staff to cancel their cards and notify++. Successful inquiry will cancel your card.
2. Bank application: If there are users of the Postal Savings Bank nearby, they can directly take the Postal Savings Bank credit card to a nearby bank outlet and cancel it through the counter staff.
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. 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, the++business of China Postal Savings Bank had completely covered all cities, 2 100 counties and cities and major towns, and about 4,500 outlets nationwide 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.
Credit card type:
Puka;
Gold card;
Self-mailing family co-branded card;
China-Damei++Travel Card;
China-Hainan International Tourism Island Card;
Postal savings travel credit card;
Postal savings Qiandao Lake tourism joint credit card;
Postal savings Zhongyuan gourmet credit card;
Anhui Communications Co-branded Credit Card;
All-currency credit card.
Card meaning:
The main pattern of China Postal Savings Bank credit card is Chinese character Ding, and the background color is blue-green.
"Ding"-Since ancient times, "Ding" has been regarded as a heavy weapon to spread the country and a symbol of the country and power. The word "Ding" in Chinese characters has also been endowed with extended meanings such as "distinguished", "distinguished" and "grand". The design of the card takes Ding as the main element, which embodies the connotation of sincerity and trustworthiness and the service commitment of China Postal Savings Bank to "stand for you".
Puka blue-green background color-incorporating green, healthy, convenient and fashionable life concept.
Gold card on gold-24 K gold courtesy, showing distinguished life.
Special shiny material-international advanced technology, showing the fashion and noble quality of cardholders.
How to cancel the credit card of Postal Savings Bank?
1. Call the credit card customer service phone of Postal Savings Bank to apply for account cancellation. The telephone number for canceling the credit card of Postal Bank is 95580. After the information is checked successfully, the card will be cancelled for you.
2. Apply for account cancellation at a nearby postal bank outlet. Cancel the credit card through the counter service staff.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
How to cancel postal credit card
Postal savings bank credit card cancellation method:
1. Telephone application: When users need to cancel their credit cards, they can call the credit card customer service hotline of the Postal Savings Bank and ask the staff to cancel their cards and inform++. After the information is checked successfully, the card will be cancelled for you. The steps are as follows:
1. Call the credit card customer service phone of Postal Savings Bank: 4008895580.
2. Press "0"-"0".
3. Enter "ID number or++#" after hearing the voice prompt.
2. Bank application: If there are users of the Postal Savings Bank around you, you can directly take the Postal Savings Bank credit card to a nearby bank outlet and cancel the credit card through the counter service staff.
Extended data:
Several problems that should be paid attention to before postal credit card cancellation;
1. Make sure there is no debt on the credit card before cancellation. If the debt is not paid off, the cancellation will affect your credit history;
2. If there is an overpayment, you can use a credit card to spend before applying for cancellation. Otherwise, if there is an overpayment on the card at the time of cancellation, it will take several months to get it;
3. If the number of swipes is not reached, the annual fee will be deducted, which will also cause arrears.
References:
Postal Credit Card Cancellation-Postal Bank official website
How to cancel the credit card of Postal Savings Bank?
1. Call the credit card customer service phone of Postal Savings Bank to apply for account cancellation:
Users directly dial the bank credit card customer service hotline, apply to the manual customer service for card cancellation, and then cancel according to the steps provided by the customer service.
2. Go to the postal outlets to cancel the credit card:
Bring my valid ID card and postal credit card to the Postal Savings Bank to cancel the account, fill out the application for account cancellation at the same time, and call again in a few days to confirm that you can cancel the account.
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. 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, the++business of China Postal Savings Bank had completely covered all cities, 2 100 counties and cities and major towns, and about 4,500 outlets nationwide 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.
The following items should be paid attention to when canceling the credit card of postal bank:
1. Confirm whether to cancel the credit card of Postal Savings Bank 46 days after applying for cancellation. Credit card cancellation is generally handled through telephone banking, but telephone banking was not successful at that time. Generally, the cardholder should call the bank to confirm whether to cancel the account 46 days after returning the card, so as to avoid the bank failing to return the card for some reason, but the cardholder thinks that the card return is successful, which will cause unnecessary trouble in the future.
The second is to pay off all debts in time before canceling the credit card. This debt includes not only the account debt, but also the annual fee. If we pay attention to the former and ignore the latter, the cardholder's card may be in arrears after cancellation. Therefore, you must ask clearly when you cancel your card, and never leave a penny in debt.
The third is to cut the magnetic stripe after canceling the credit card. If the card is complete, it may still be used in some consumer places that only need++and do not need to check the information. The best way is to cut the magnetic stripe into pieces and throw it into different garbage dumps to prevent people with ulterior motives from stealing it.
This is the end of the introduction on how to cancel the postal credit card and how to cancel the postal credit card and handle it again. I wonder if you have found the information you need?