According to statistics, by 20 10 to 10, the micro-loan business of China Postal Savings Bank has completely covered all cities and 2 100 counties and cities and major towns in China, and about 4,500 outlets across the country have started this business. In just a few years, China Postal Savings Bank has developed very rapidly. From its opening to 20 10 and 10, China Postal Savings Bank issued nearly 4 million loans nationwide, amounting to over 230 billion yuan, with an average loan of about 59,000 yuan. China Postal Savings Bank issued150 billion yuan in rural areas at or below the county level.
Credit card type
Pukezhubei
gold card
Ziyou yizu co-branded card
China-Damei Tibet Travel Card
China Hainan International Tourism Island Card
Postal savings travel credit card
Postal savings bank Qiandaohu tourism joint credit card
Postal savings bank Zhongyuan gourmet credit card
Card meaning
The main pattern of China Postal Savings Bank credit card is Chinese character Ding, and the background color is blue-green.
"Ding"-Since ancient times, "Ding" has been regarded as a heavy weapon to spread the country and a symbol of the country and power. The word "Ding" in Chinese characters has also been endowed with extended meanings such as "distinguished", "distinguished" and "grand". The design of the card takes Ding as the main element, which embodies the connotation of sincerity and trustworthiness and the service commitment of China Postal Savings Bank to "stand for you".
Puka blue-green background color-incorporating green, healthy, convenient and fashionable life concept.
Gold card on gold-24 K gold courtesy, showing distinguished life.
Special shiny material-international advanced technology, showing the fashion and noble quality of cardholders.
Grade: Puka
Distribution scope: the whole country
Initial issue time: April 2009
Card function: standard card
Card issuer: UnionPay
Currency: RMB
Interest-free period: 20-50 days
Daily interest: five ten thousandths
Consumption verification method: signature+password/signature
Product characteristics
Permanent free of annual fee: the main card and the auxiliary card are permanently free of annual fee, free of annual fee expenditure, and can be swiped at will.
Pukezhubei
Optional installment payment: you can choose "any installment" bill installment and "transaction installment", with no interest and low handling fee.
Password and SMS double protection: activate the card through the 24-hour customer service hotline, set the transaction password and inquiry password online in real time, or log in to online banking for real-time online activation, which is safe and fast.
Enjoy an interest-free repayment period of up to 50 days: up to 50 days and up to 20 days, so that you can enjoy a leisurely life first.
Optional billing date: a variety of billing dates are available for you to choose, which is convenient for you to flexibly arrange repayment.
Points are permanently valid: you can spend one yuan to accumulate one point, and the points are permanently valid, and the points can be transferred and exchanged, so that various points plans can be easily realized.
Special purpose
Customers can choose "signature+password" or "signature" for spending, and can make changes through customer service hotline or online banking according to their own card usage habits. If applying for monthly SMS service, cardholders can flexibly set the initial amount of notification SMS according to their actual needs, and monitor the changes of account funds in real time to ensure the safety of card use.
product value
In the process of product design, the Postal Savings Bank made full use of the functions and characteristics of credit card products of other banks at present. On the basis of closely combining the business development status of the Postal Savings Bank and aiming at the actual demand of potential customers of the Postal Savings Bank for credit cards, it customized an economical, practical and distinctive credit card product for customers. "Convenience", "Affordability" and "Safety" are the core values of the Postal Savings Credit Card.
Card surface and meaning
fundamental function
Postal savings bank credit card is a standard RMB credit card of UnionPay, which has rich functions such as overdraft consumption, overdraft cash withdrawal and installment payment. Provide 24-hour customer service hotline, free bill delivery, self-deduction repayment association and other services. In addition, there are powerful functions such as free transaction fees for repayment in different places, free SMS reminders for large transactions, and interest-free period concessions for consumption.
Specific function
The blue-green card background symbolizes peace, life and hope, and injects a relaxed, bright, convenient and fashionable card concept into life. The biggest feature of the postal savings credit card is that it is free of annual fees for life. After applying for opening the credit card of Postal Savings Bank, customers will not have to worry about the complicated annual fee reduction rules. Moreover, there are many ways to repay credit cards: cardholders can repay through various outlets of the Postal Savings Bank, automatic transfer, self-service deposit machines and ATM transfers.
Puka charging standard
Annual fee: 65438 yuan +025 yuan/year for the main gold card and 60 yuan/year for the supplementary card; Puka is free of annual fees for life.
SMS service fee: Gold card is free, Puka 3 yuan/month/household.
Interest-free period: 20-5 1 day
Minimum repayment ratio: 10%
Cash withdrawal fee: 1% of the domestic transaction amount, with a minimum of 10 yuan, plus inter-bank 2 yuan fee. Overseas, the transaction amount 1%, the lowest in 20 yuan.
Late payment fee: 5% of the unpaid part of the minimum repayment amount, minimum 10 yuan.
Over-limit fee: 5% of the over-limit amount: the lowest 5 yuan and the highest 200 yuan.
Handling fee for reading the bill: copy 10 yuan/copy, and original 50 yuan/copy.
Handling fee for reissued bills: free of charge within 3 months, and 5 yuan/copy for more than 3 months.
To recover the overpaid handling fee: 0.5% of the domestic transaction amount, with a minimum of 10 yuan, and 2 yuan handling fee will be charged across banks. Overseas, 0.5% of the transaction amount, the lowest is 20 yuan.
Loss reporting fee: gold card 40 yuan/time; Puka 20 yuan/time
Cost of resetting password letter: free of charge.
Bank sign
The basic element is the word "Zhong" written by China in ancient times. On this basis, the designer integrated the flying momentum of geese into the design of the logo according to the allusion of "Hongyan handed down a book" in ancient China. The logo is mainly horizontal and vertical parallel lines, and the combination of shape and potential induces changes, expressing the corporate purpose of serving thousands of households and the corporate image of being fast, accurate, safe and ubiquitous.
After the founding of New China, at the first national postal congress, participants agreed that green symbolizes peace, youth, exuberance and prosperity, so they decided to adopt green as the special color of China postal symbol.
There is no uniform regulation in the world on what color to use as the special postal logo, such as British red, American gray, Swiss orange and China green.
China Postal Savings Credit Card Gold Card is a standard credit card product specially developed for middle and high-end people. In addition, there are services such as revolving credit, installment consumption, cash advance and password selection. The product also has many special services, such as air ticket hotel reservation, supplementary card quota adjustment, 48-hour card loss guarantee, free transaction reminder, high cash advance, double birthday points, wonderful gift exchange and so on. It is a credit card that truly meets international standards, allowing cardholders to enjoy the convenience and benefits of "spending first and repaying later" at home and abroad, anytime and anywhere.