Under normal circumstances, the minimum repayment amount of postal credit cards is 10% of the accumulated outstanding consumption principal, and the outstanding amount includes all expenses, interest, the amount owed beyond the credit limit, the cash principal borrowed in advance, and the outstanding part of the minimum repayment amount of the previous bill.
Postal credit card repayment method:
I. Intra-bank repayment
Counter and ATM cash deposit and withdrawal or transfer repayment, automatic associated repayment, online banking repayment of the Bank (online repayment, intra-bank transfer), mobile banking repayment, and WeChat bank repayment. ?
Second, inter-bank repayment
Other banks' online banking, counters and self-service machines repay in cash or by transfer.
Third, Alipay repays.
The credit card issuer has the right to transmit credit card billing information to Alipay, and the customer agrees and authorizes Alipay to receive such information.
Precautions:
1, supplementary cards can also be repaid.
2. Postal credit cards do not support overseas outlets or ATM repayment, but electronic channels such as online banking, mobile banking and third-party payment platforms are not affected.
3. Whether other banks support credit card repayment of postal savings, the arrival time and transfer-out fee shall be subject to the transfer-out behavior.
The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables.
Extended data
1. Basic requirements of the applicant:
Principal card applicant: Chinese mainland residents aged 18 and under 60 years old.
Supplementary card applicant: 16 years old. Chinese mainland residents under the age of 60.
2. Information required for applying for postal credit card:
Materials required to apply for the master card: a copy of the applicant's ID card and work certificate are required. Optional materials: proof of financial resources and proof of concern about transactions with our bank.
Supplementary card application: A copy of the ID card of the supplementary card applicant is required. The relationship between the supplementary card applicant and the main card must be immediate family members.
3. Application channels
At present, the application channel of postal credit card is business outlets, so you need to bring relevant information to postal outlets for detailed inquiry.
4. Application progress
You can manually check the progress of credit card application through self-service voice or through our online banking, mobile banking and customer service hotline.
China postal savings bank official website-convenient repayment
Baidu encyclopedia-minimum repayment amount