Conditions and necessary materials for applying for the Postal Credit Card Gold Card

1. Conditions for applying for the Postal Credit Card Gold Card

Comparison of the conditions for applying for the China Postal Savings Credit Card Gold Card Relaxed, as long as you meet the following requirements:

1. Age requirement: Domestic residents must be between 18 and 65 years old;

2. Work requirement: have a stable work unit, Income and fixed residence; 3. Credit requirements: no bad credit record (how to establish a good credit record). If you need to apply for an additional card, the applicant for the additional card must be the parent, brother, sister, spouse or child of the main card applicant. If you are between the ages of 16-65, you can apply for up to 4 supplementary cards for one main card.

2. Information required to apply for China Postal Savings Credit Card Gold Card

The application information for Postal Savings Credit Card varies depending on the applicant’s conditions and the card applied for. You can combine it with your own You are free to choose the appropriate application materials according to the situation.

Situation 1: If you are not a postal savings customer, but you have a credit card from another bank and have issued the card for more than half a year, it is recommended that you use the "card application" method to quickly apply for a postal savings credit card Application procedures.

Notes on the "card application" method:

1. There is no overdue record of credit cards from other banks for more than 30 days within 6 months; 2. The credit limit is not less than 5,000 yuan; If you have more than 3 credit cards from other banks and the usage limit is more than 90, the bank will generally not process it. It is recommended that you do not blindly apply for a credit card.

Situation 2: If you are not a postal savings customer, and you do not have other bank credit cards, and you are a first-time postal savings credit card user, you need to prepare the following information:

1. Proof of identity Materials: Copy of resident ID card or military officer certificate; if you are a compatriot from Hong Kong and Macao, you need to provide a copy of the mainland travel permit and proof of residence for more than one year; if you are a non-local household registration applicant, you must provide a copy of proof of residence 2. Private car A copy of the vehicle driving license, the original employment certificate issued by the company (with the company's official seal or personnel seal) or professional qualification certificate, such as a copy of the lawyer's practice certificate, a copy of the registered auditor's qualification certificate, etc.

3. If you apply for the main and additional postal savings credit card at the same time, please provide a copy of the applicant’s ID card for the additional card.

If you apply for a postal savings credit card supplementary card separately, in addition to providing a copy of the supplementary card applicant's identity document, the main cardholder must also fill in the main card and sign on the application form.

What does Postal Gold Card mean?

Postal Gold Card is a standard credit card product developed for mid-to-high-end people. Postal Bank Gold Card Level means that the customer is a basic Postal Bank Gold Card customer. Postal Bank Gold Card enjoys priority service. Gold card SMS notifications are free, and gold card transfer fees can also be reduced.

In addition to providing services such as recurring points, consumption installments, cash advances and optional passwords, the product also provides air ticket and hotel reservations, supplementary card limit adjustment, 48-hour card loss guarantee, free transaction reminders, high limit, etc. Services include cash advance, double birthday points, exquisite gift redemption, etc. It is a credit card that complies with international standards, allowing cardholders to enjoy the convenience and benefits of domestic and international preferential "repayment after credit card consumption".

There are two types of postal gold cards, one is the credit card gold card and the other is the VIP card

1. The credit card gold card refers to a credit card that is more advanced than ordinary credit cards. The Postal Savings Credit Card Gold Card not only has services such as revolving credit, consumption installments, cash advances, optional passwords, but also air ticket and hotel reservations, supplementary card limit adjustment, 48-hour card loss report guarantee, free transaction reminders, high-value cash advances, double Birthday points, redemption of exquisite gifts, etc.

2. Daily VIP card, also known as gold card, is mainly a daily green postal savings card. This card is golden and more powerful. VIP card customers can enjoy the priority, preferential and high-quality services of the Postal Savings Bank and can handle business without queuing; it also has customer identification and green card debit card functions. This card needs to meet certain conditions. The most common situation is that the quarterly average daily balance is greater than 1 million, and it can be processed if the conditions are met.

The Postal Gold Card has the following value-added services:

1. Online display of domestic new and old featured stamp products. You only need to call the Postal Savings Bank credit card customer service hotline and submit your order requirements, and we will wholeheartedly provide you with subscription services.

2. When you apply for other credit products of Postal Savings Bank, you can enjoy priority and high-quality services, and more exclusive products are waiting for you.

3. On the birthday of the primary cardholder, you can enjoy double points for spending with the primary and secondary cards.

4. When you handle business at the Postal Savings Bank credit card customer service hotline, you can enjoy priority queuing service to save your time.

Is there any fee for the Postal Gold Card?

There is no annual fee for the China Postal Savings Card Gold Card. The annual fee for the Postal Bank Credit Card Gold Card is 125 yuan/year.

There is no annual fee for Postal Savings Bank of China’s debit cards (including Green Card VIP Gold Card), but when the average daily balance is less than 100 yuan, a small account management fee of 3 yuan will be deducted every quarter.

In May 2015, the annual fees and management fees of all bank and debit cards were cancelled. A bank can only apply for one card with no annual fee. There is no restriction on whether to apply for a new card or an old card. After that, zero fees can be achieved.

Note: Applications are required for annual fee exemption and other services. For example, if you apply for a new card after May 1st or a replacement card after reporting a loss, you will be exempted from the small account management fee if you do not take the initiative to apply. and annual fees, both of which still have to be charged.

The annual fee for the Postal Bank Gold Credit Card is 125 yuan per year. There is no annual fee for the first year of application. Annual fees will be incurred from the second year, but the card will be waived for the following year if the card is swiped 6 times within a year. Annual fee means that as long as the cardholder swipes the card 6 times or more per year after applying for the card, there is no annual fee. In addition to revolving credit, consumption installments, cash advance, optional password, and other services, the Postal Bank Gold Card also has many special services such as air ticket and hotel reservations, supplementary card limit adjustment, 48-hour card loss protection, and free transaction reminders.

Special features of Postal Bank Credit Card Gold Card:

1. Real-time transaction reminder--as long as there is a transaction in your account, you can receive free transaction text message reminders from Postal Bank.

2. 50% cash advance ratio-Gold card holders can enjoy a cash advance ratio of up to 50%.

3. Exclusive gift redemption--Postal Savings Bank of China provides exclusive gold card gift redemption for gold card holders. The gifts are high-end, diverse, exquisite and practical.

4. Double points on your birthday - 1 point for 1 yuan, valid forever, double points on your birthday.

5. Exclusive VIP service - Postal Savings Credit Card Gold Card cardholders can enjoy priority queuing service when handling business at the Postal Savings Bank customer service hotline.

6. Emergency credit limit adjustment--when a customer has emergency credit limit requirements and meets Postal Savings Bank's temporary credit limit adjustment conditions, the temporary credit limit adjustment can be achieved within 24 hours.

7. Supplementary card limit control - you can freely set the credit limit for the supplementary card. You can share the limit with the main card, or you can set it according to a certain proportion or amount of the main card's credit limit. Supplementary card limit.

What conditions are required to apply for a postal gold card?

1. Age: The applicant must be between 18 and 65 years old, including 18 and 65 years old. 15 years old, and must be a legal Chinese citizen with full capacity for civil conduct;

2. Occupation: The applicant must have a stable job with a relatively stable income, and have a fixed position in the local area. Place of residence;

3. Income: The applicant’s average daily assets within three consecutive months must be between one hundred thousand and five hundred thousand, and these incomes are legal income;

4. Credit: The applicant has a good credit record and has never been overdue.

In addition to revolving credit, consumption installment, cash advance, optional password, and other services, the Postal Savings Credit Card Gold Card also has air ticket and hotel reservations, supplementary card limit adjustment, 48-hour card loss protection, and free It offers many special services such as transaction reminders, high-limit cash advances, double birthday points, and exciting gift redemptions. It is a real credit card that meets international standards, allowing cardholders to enjoy the "swipe the card first to spend and then repay later" domestic and overseas services. Convenient and affordable, use your card anytime, anywhere, worry-free.

Special functions

1. Real-time transaction reminder--as long as there is a transaction in your account, you can receive free transaction SMS reminders from Postal Savings Bank.

2. 50% cash advance ratio-Gold card holders can enjoy a cash advance ratio of up to 50%.

3. Exclusive gift redemption--Postal Savings Bank of China provides exclusive gold card gift redemption for gold card holders. The gifts are high-end, diverse, exquisite and practical.

4. Double points on your birthday - 1 point for 1 yuan, valid forever, double points on your birthday.

5. Exclusive VIP service - Postal Savings Credit Card Gold Card cardholders can enjoy priority queuing service when handling business at the Postal Savings Bank customer service hotline.

6. Emergency credit limit adjustment--when a customer has emergency credit limit requirements and meets Postal Savings Bank's temporary credit limit adjustment conditions, the temporary credit limit adjustment can be achieved within 24 hours.

7. Supplementary card limit control - you can freely set the credit limit for the supplementary card. You can share the limit with the main card, or you can set it according to a certain proportion or amount of the main card's credit limit. Supplementary card limit

Fees

Over-limit fee 5 of the over-limit amount, with a minimum of 5 yuan and a maximum of 200 yuan;

Late fee for the unpaid portion of the minimum repayment amount 5, minimum 10 yuan;

Inter-bank cash withdrawal handling fee 1, minimum transaction amount 10 yuan;

Inter-bank cash withdrawal handling fee 1, minimum transaction amount 10 yuan, plus additional charges 2 yuan handling fee;

The handling fee for overpayment within the same bank is 0.5 of the transaction amount, with a minimum of 10 yuan;

The handling fee for inter-bank overpayment is 0.5 of the transaction amount, with a minimum of 10 yuan. 10 yuan, plus a handling fee of 2 yuan;

The cost of replacing a damaged or degaussed card is 20 yuan/card;

The express fee (optional) is 20 yuan/time;

The handling fee for re-sending statements is free within 3 months, and 5 yuan/copy for more than 3 months;

The fee for reporting a lost card is 40 yuan/card;

The handling fee for the reset password letter is RMB 10 per card;

Reviewing a copy of the domestic purchase order is RMB 10/copy, and the original is RMB 50/copy;

Reviewing a copy of the foreign purchase order 10 yuan/copy, original copy 50 yuan/copy

This is the end of the introduction about postal gold credit card and postal gold credit card approval. I wonder if you found the information you need?