1, enterprises, institutions and institutions are better approved, and enterprises are preferably large state-owned enterprises, top 500 in the world or top 500 in China. Of course, it must be a contract worker.
2. Government personnel and civil servants. It must be a contract worker, and the postal service only recognizes contract workers. If it is a contract worker, it will be more difficult to apply.
3, the general enterprise, must be a well-known local enterprises, but also in-house work. Well-known enterprises, such as department store salespersons, do not need to apply, and the application is not approved. Of course, leadership positions are also possible.
4, other basic applications are not easy, such as real estate developers, intermediaries, car 4s shops, not approved (except for leadership positions, they are basically business owners, and the amount is very low). If it is a self-employed household, it is necessary to provide the transaction flow in the Postal Savings Bank for six consecutive months, a copy of the business license and the vicinity of the house lease. Even if you are all complete, the amount approved will be lower.
Second, if you find that the quota is particularly low after finishing, how can you increase the quota?
1, we must maintain continuous consumption.
Many banks stipulate that you must have a credit card consumption record every month for three months before you can apply for withdrawal. This plays a very important role in the early stage of card holding. Banks will think that cardholders do cards for consumption, not for other purposes. Postal savings bank credit card is like this!
2. First, increase the temporary quota.
Due to the short-term need to increase the number of places such as holidays, travel and business trips. If there is no need to increase the permanent quota, you can settle for the second best, and it will be easier to apply for a temporary quota.
3. Seize the opportunity to increase the amount.
Generally speaking, after the credit card of the Postal Savings Bank is used normally for half a year, it can take the initiative to apply electronically, or call the bank customer service to adjust the credit line. However, using cards is skillful. The most basic thing is to learn to swipe your card frequently, and then take the initiative to apply within one to six months according to the rules of credit card withdrawal.
4. Maintain a certain credit card.
Try to keep a certain amount of credit cards every month, and ensure full repayment within the specified time. However, it is not recommended that the cardholder's credit card limit exceeds the repayment ability. In the event of overdue repayment or long-term low repayment, the Postal Savings Bank will think that the cardholder's consumption amount does not match his income, which will have a great impact on the cardholder's future withdrawal.
5. Maintain a high frequency of swiping cards.
Regardless of the amount, cardholders need to use credit cards as much as possible, and they must spend if they can swipe their cards. After swiping the card many times, the X system of Postal Savings Bank will think that the credit card is a necessity for the cardholder, and the cardholder can also accumulate some loyalty.
6. The related repayment will help the credit card.
Handle the debit card of the same bank, and use the credit card to repay the loan. In this way, because the cardholder has certain funds in the bank, the bank will also be very reassured to the cardholder.