1. Under normal circumstances, the repayment date of a postal savings credit card cannot be postponed. If you really need to postpone it for a few days, you can negotiate with the bank. Generally, extensions can be extended for 4 days. Postal Bank credit cards have a 4-day grace period for repayment.

2. Assuming that the cardholder’s repayment date is the 20th of each month, then your repayment grace period is from the 21st to the 24th of each month. You only need to pay before 5 pm on the 24th. Successful repayments are considered normal repayments and will not incur any penalty interest or overdue records. If you still fail to repay after the repayment grace period, the Postal Savings Bank will charge overdue fees on a daily basis with a daily interest rate of 0.5%, and upload the bad credit to your personal credit report.

1. Postal Bank credit card repayment methods:

(1) Repayment at Postal Savings Bank credit card outlets. Cardholders can make cash repayments or transfer repayments in person or by entrusting others to do so at the outlet counter;

(2) Postal Savings Bank credit cards are automatically linked to repayments. If the cardholder has a Postal Savings Bank debit card or current settlement account, the cardholder can associate the credit card with it through channels such as the credit card customer service hotline, online banking or outlets for automatic repayment.

(3) Postal Savings Bank credit card online banking repayment. Cardholders can sign up for an account at a Postal Savings Bank outlet and then log in to Postal Savings Bank online banking to transfer the amount of the cardholder's current settlement account opened at Postal Savings Bank to the credit card account to complete online repayment.

(4) Postal Savings Bank credit card repayment across banks. Cardholders can make inter-bank transfer repayments to Postal Savings Bank credit cards at other banks’ counters or through online banking channels using cash or debit cards.

(5) Other methods of repayment via Postal Savings Bank credit card. Cardholders can also repay in cash through Postal Savings Bank self-service deposit machines or transfer repayments through Postal Savings Bank ATM machines.

2. The Postal Savings Bank of China can trace its history back to the postal savings business established in 1919. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was officially established. In January 2012, the company was restructured into a joint stock limited company. In December 2015, ten domestic and foreign strategic investors were introduced. In September 2016, it was listed on the Hong Kong Stock Exchange. In December 2019, it was listed on the Shanghai Stock Exchange and successfully completed the three-step reform goal of "shareholding reform - leading to war - listing in A and H places".

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