It is not difficult to apply for a Postal Savings Bank credit card.

As long as you meet the age requirements, have a regular job, and have good credit, you can basically get a card.

Friends who want to apply for a Postal Savings Bank credit card only need to prepare identification documents, proof of work income and proof of assets and financial resources.

The application conditions for Postal Savings Bank Credit Card are as follows:

1. Applicants applying for Postal Savings Credit Card main card must be residents of mainland China who are over 18 years old and under 60 years old; Applicants for the supplementary credit card must be residents of mainland China who are over 16 years old and under 60 years old.

2. Applicants need to have legal and stable work income.

3. The applicant’s personal credit must be good, and there must be no bad credit card repayment records such as overdue payments.

4. Supplementary card application conditions: The holder of the supplementary card must be a relative of the main card holder, that is, the parent, child, brother, sister or spouse of the main card holder.

The steps to apply for a postal credit card are as follows:

1. Find a credit card salesperson or lobby teller to fill out the application form, then submit the above information and wait for the bank's approval to determine whether to approve the card and the card limit. , it depends on the bank’s overall score for you.

2. ID card; proof of work or income; work phone number, home phone number and personal mobile phone; proof of tax payment; proof of property, vehicles and other assets in your own name; other bank credit cards, etc. Each bank has different standards for importing documents, so not all of the above information is required. It depends on the bank's requirements.

Main features of credit card:

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and stimulate social demand.

Main types

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of card issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.