When making payment, if the credit card gateway is selected for credit card payment, the seller will make a large credit card payment, whether it is his own card or someone else's card. After the refund is successful, the money will be automatically returned to the paid credit card, the credit card of China Bank will be deposited within 6 working days, and other banks will deposit it within 1-5 working days.

Disadvantages of credit card of Postal Savings Bank:

1, blind consumption

Unlike paying bills one by one in cash, swiping a card will not have the feeling of several numbers, which will lead to blind consumption and spending money like water.

2. Excessive consumption

Youzheng.kameng.com[ carmon. Com- Postal Savings Bank]

For the installation of notebook computers, digital cameras and smart phones, when you enjoy your favorite items in advance, you must also consider whether you can repay them.

3. High interest rates

If you take good care of your credit card and the repayment date is up, you can't repay it on time, and the bank will charge you high interest.

4. You need to pay an annual fee

Credit cards basically have an annual fee, but they basically have an annual fee tax exemption policy. China Construction Bank can only brush it three times a year to be tax-free. If you don't swipe your card at the bank according to the prescribed number of times, you need to charge an annual fee.

Step 5 steal brushes

By default, credit cards are basically credit card consumption without passwords. When it is lost or stolen, it is easy to be stolen by others, thus causing unnecessary trouble or loss. In fact, credit cards can also be used for password credit card consumption.

Extended data:

Advantages of Postal Savings Bank Credit Card: Compared with ordinary bank savings cards, credit cards are a convenient way to make ordinary shopping without cash. In many cases, it is enough to return the consumption on time.

1. overdraft consumption does not need to deposit funds, and can enjoy an interest-free period of 20-56 days. Timely repayment does not pay interest, and ICBC is free to withdraw cash, only receiving interest).

2. It is not only safe and convenient to swipe your card when shopping, but also give away points.

3. Special merchants who hold cards in the bank can enjoy discounts.

4. Accumulate personal credit, add credit records to credit files, and benefit for life.

5. It can be used all over the country, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo. (Note: Credit cards are only suitable for consumers to swipe their cards. Please don't withdraw cash, it's very expensive and cost-effective.

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