How to repay with Postal Bank credit card
The main repayment methods of Postal Bank credit card are as follows: branch repayment, online banking repayment, automatic linked repayment, and inter-bank repayment: Repayment through other banks, self-service repayment, third-party repayment, and telephone banking repayment.
The final repayment date for Postal Bank credit cards is 20 days after the bill date. Postal Bank provides customers with a graceful repayment service. The final repayment grace period is before 17:00, 4 days after the final repayment date; hope Customers are reminded to repay on time. Late repayment will bring serious consequences.
If the cardholder fails to repay at the end of the final repayment date or the repayment amount is less than the minimum repayment amount, Postal Savings Bank will charge a certain late payment fee. The charging standard is 5% of the unpaid portion of the minimum repayment amount, with a minimum of 10 yuan.
The calculation formula is: late payment fee = (minimum repayment amount_amount repaid as of the due payment date) 5
1. China Postal Savings Bank Credit Card
China Postal Savings Bank Credit Card is a RMB credit card and is a UnionPay standard card. It has all the functions and services of a UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years. Four supplementary cards can be set. The main pattern on the credit card of China Postal Savings Bank is the Chinese character "ding". The background color of the regular card is blue-green, and the background color of the gold card is golden yellow.
According to statistics, as of October 2010, the business of the Postal Savings Bank of China has fully covered all prefecture-level cities and 2,100 counties, cities and major towns and villages nationwide. There are approximately more than 4,500 banks nationwide. This business has been launched in the network. In just a few years, China Postal Savings Bank has developed very rapidly. From its inception to October 2010, China Postal Savings Bank has issued loans to nearly 4 million households across the country, with an amount of more than 230 billion yuan. The average loan amount is About 59,000 yuan, the Postal Savings Bank of China has distributed more than 150 billion yuan in rural areas at and below county level.
2. Card meaning
The main pattern on the China Postal Savings Bank credit card is the Chinese character "ding", and the background color is blue-green.
"Ding"-"Ding" has been regarded as an important weapon passed down from ancient times and is a symbol of the country and power. The word "ding" in Chinese characters is also given extended meanings such as "prominent", "noble" and "grand". The card uses "ding" as the main design element to reflect the connotation of sincerity and trustworthiness, as well as the "triangle" of China Postal Savings Bank. "For you" service commitment.
Puka blue-green background color——Integrate green, healthy, convenient and fashionable life concept.
The golden background of the gold card——24K gold courtesy, shows the noble life.
Special shiny material - international advanced technology, highlighting the fashion and noble quality of cardholders.
Operating environment: Postal Bank Version: v7.0.4 mobile version Huawei mate30 Hongmeng OS system
How to repay Postal Savings Credit Card
Repayment of Postal Savings Credit Card The methods are:
1. Automatic repayment. You can link a debit card, and the bank will automatically deduct the money on the repayment date;
2. Mobile banking repayment. You can use the Huawei P9 Android phone to repay the credit card using the Postal Bank mobile banking software version 7.0.5;
3. Online banking repayment. Log in to Postal Bank online banking to repay credit cards.
In accordance with Article 14 of the "China Bank Card Industry Self-Discipline Convention", Postal Savings Bank provides Postal Savings Credit Card holders with a 4-day repayment grace period. : Repayment recorded before 00 will be deemed as on-time repayment. If you repay beyond the grace period, the overdue repayment record will be reported to the central bank for credit reporting.
However, although the Postal Savings Bank will also provide time tolerance repayment services for Postal Savings Credit Card holders, in order to ensure that the repayment amount is credited before 17:00 on the fourth day, it is recommended to mail Savings credit card holders use the bank's repayment methods provided by Postal Savings Bank, such as repayment via online banking transfer, repayment through mobile banking transfer, and cash repayment at the bank's business outlets.
According to Article 14 of the "China Bank Card Industry Self-Discipline Convention": "Member units that provide cardholders with grace period services shall provide cardholders with a certain period of repayment grace period services. The repayment grace period shall be at least 3 days from the due date of repayment, and the cardholder shall be deemed to have repaid the loan on time. ”
So, currently. Credit cards generally have a grace period of 3 days or more. If our credit card does not have a 3-day grace period for repayment, we can report the situation to the bank
Postal Savings Bank of China is inheriting A commercial bank established on the basis of the former State Post Bureau and China Post Group Corporation. Today, when credit cards are highly popular, the Postal Savings Bank of China has also launched its credit card products. Many friends who have not yet applied for a credit card asked me, the editor of Aika: Is it easy to apply for a China Postal Savings Credit Card? Today the editor will tell you what are the requirements for applying for a China Postal Savings Credit Card.
1. To apply for a postal savings credit card, in addition to ID card and work permit, you also need other proof of financial resources or property, such as salary income certificate, real estate certificate, etc. The relevant materials are as follows:
1. Copy of ID card
Applicants for both primary and secondary cards must provide it. The identity document refers to one of the resident identity cards, military officer's ID cards, Mainland Travel Permits for Hong Kong and Macao residents, Mainland Travel Permits for Taiwan compatriots, and foreign passports.
2. Work certification documents
Refer to one of the copies of the work permit, the original work certificate issued by the work unit, a copy of the professional qualification certificate, and a copy of the professional title.
3. Copy of proof of fixed residence
Such as house ownership certificate, public housing rental agreement or public housing purchase agreement, etc. Applicants who work in companies (enterprises) are generally required to provide documents proving their own real estate (copies of their own real estate certificate, public housing lease agreement or public housing purchase agreement, housing loan contract, etc.).
After consultation with postal customer service, the postal service generally only accepts real estate certificates, house purchase contracts, and public housing rental certificates as proof of fixed residence, private housing rental contracts, and utility bills such as water, electricity, gas, and fixed telephone bills. Payment slips for business expenses are only accepted by post offices in some areas.
Civil servants and employees of public institutions do not need proof of fixed residence. Applicants for company employees generally need proof of fixed residence, but qualifications such as master's degree or above/teacher/doctor/certified accountant/certified tax accountant/corporate legal advisor are required A copy can save you this trouble.
4. Practicing qualification certificates, such as "Teacher Qualification Certificate", "Lawyer Practicing Certificate", "Physician Practicing Certificate", "Practicing Pharmacist Registration Certificate", "Enterprise Legal Consultant Practicing Qualification Certificate", "Auction Certified Public Accountant’s Qualification Certificate, Certified Public Accountant’s Certificate, China’s Practicing Auditor’s Certificate, etc.
5. Copies of postal housing loan contract and car loan contract. This item can also be used in place of proof of fixed residence.
6. A copy of the work permit of a national public employee or a copy of the financial plan card of a personal financial plan customer.
(7) If you provide a copy of the postal "financial management fund" account or a copy of the graduation certificate and degree certificate of a master's degree (inclusive) or above, the card application process will be expedited.
How to repay Postal Bank Credit Card
To repay Postal Savings Credit Card Alipay, the specific steps are as follows:
Operating environment:
Brand model: iPhone13
System version: iOS15.3.1
App version: v10.2.53
1. Credit card users first need to open the Alipay APP on their mobile phones .
2. After opening the APP, log in to your personal Alipay account. Then click "More" on the APP interface.
3. After clicking "More" on the APP, find the "Credit Card Repayment" function among many functions. Once found, click to enter.
4. After entering the "Credit Card Repayment" function of Alipay, click the "Repay" button on the interface.
5. After clicking the "Repay" button, users only need to bind and enter their credit card information to perform the repayment operation.
Because Alipay credit card repayment also supports postal savings credit card repayment. Therefore, postal savings credit card users can also make repayments through Alipay.
Postal Savings Bank of China is a large retail commercial bank in China. It was established on March 6, 2007 and is headquartered in Xicheng District, Beijing. Formerly known as the Postal Savings Bank; in 2016, the Postal Savings Bank was successfully listed on the Main Board of the Hong Kong Stock Exchange. Mainly engaged in banking and financial services business.
On the evening of October 28, 2021, Postal Savings Bank disclosed its third quarter report. The company’s third quarter operating income was 80.705 billion yuan, a year-on-year increase of 1.543%; net profit was 23.497 billion yuan, a year-on-year increase of 22.47%. Net profit in the first three quarters was 64.507 billion yuan, a year-on-year increase of 22.07%.
According to the overall arrangements for the financial system reform of the State Council, on the basis of reforming the original postal savings management system, the Postal Savings Bank of China Co., Ltd. was formally established in March 2007. On January 21, 2012, with the consent of the State Council and the approval of the China Banking Regulatory Commission, the Postal Savings Bank of China Co., Ltd. was legally renamed as the Postal Savings Bank of China Co., Ltd.
With the care and support of governments at all levels, financial regulatory authorities and all sectors of society, the Postal Savings Bank of China adheres to the concept of inclusive finance and consciously assumes the social responsibility of "reaching urban and rural areas and benefiting the people". It has embarked on a characteristic development path that serves "agriculture, rural areas and farmers", small and medium-sized enterprises, and the community.
How to repay the postal credit card
How to repay the postal credit card?
Operating environment:
Brand model: iPhone13
System version: iOS15.0
App version: v7.0.6
(1) Mobile banking repayment: Directly log in to the Postal Bank mobile banking page, find the credit card and click to enter, select the credit card bill, click "Repay Now", and enter the repayment amount and password to repay. Just pay with a debit card or Postal Savings Bank's mobile banking or online banking.
(2) ATM repayment: Complete the credit card repayment procedure at the ATM self-service teller machine, and then deposit cash into the credit card to complete the repayment.
(3) Automatic repayment: Open a Postal Savings Bank debit card account directly, and bind the automatic repayment function. On the repayment date, as long as the account has sufficient balance, the system will automatically repay.
(4) Third-party payment: Credit card payment can be made directly through Union Quick Pass, Alipay or WeChat third-party payment platform, and a personal credit card account needs to be bound.
PSBC Credit Card is a RMB credit card and is a UnionPay standard card. It has all the functions and services of a UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years. , four supplementary cards can be set. The main pattern of the Postal Savings Bank of China credit card is the Chinese character "ding", the background color of the regular card is blue-green, and the background color of the gold card is golden yellow.
According to statistics, as of October 2010, the business of the Postal Savings Bank of China has fully covered all prefecture-level cities and 2,100 counties, cities and major towns across the country, with more than 4,500 outlets nationwide. This business has been started. In just a few years, the Postal Savings Bank of China has developed very rapidly. From the launch of its business to October 2010, the Postal Savings Bank of China has issued loans to nearly 4 million households across the country, with an amount of more than 230 billion yuan, with an average loan of about 5.9 Ten thousand yuan, the Postal Savings Bank of China has distributed more than 150 billion yuan in rural areas at and below county level.
Card meaning: The main pattern on the Postal Savings Bank of China credit card face is the Chinese character "ding", and the background color is blue-green. "Ding" - Since ancient times, "Ding" has been regarded as an important national weapon and a symbol of the country and power.
The word "ding" in the Chinese character is also given extended meanings such as "prominence", "noble" and "grand". The card uses "ding" as the main design element, reflecting the connotation of sincerity and trustworthiness, and the promise of a thousand pieces of gold, as well as the Postal Savings Bank of China's "standing as a tripartite". "Your" service commitment. Puka blue and green background color - integrating the concept of green, healthy, convenient and fashionable life. The gold card has a golden background - 24K gold courtesy, showing your noble life. Special shiny material - international advanced technology, highlighting the fashion and noble quality of the cardholder.
How to repay the postal credit card
ATM machine repayment: Check the credit card at the ATM self-service deposit and withdrawal machine, and then complete the credit card repayment by depositing cash into the credit card.
Automatic repayment: Directly open a Postal Savings Bank debit card account and bind to activate automatic repayment. As long as the account has sufficient balance on the repayment date, the system will automatically repay.
Third-party repayment: Credit card repayment can be made directly through Union Quick Pass, Alipay or WeChat third-party payment platform, and a personal credit card account needs to be bound.
PSBC Credit Card is a RMB credit card and is a UnionPay standard card. It has all the functions and services of a UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years. , four supplementary cards can be set. The main pattern on the China Postal Savings Bank credit card is the Chinese character "ding", the background color is blue-green for regular cards, and golden for gold cards.
According to statistics, as of October 2010, the Postal Savings Bank of China's business has fully covered all prefectures and cities, 2,100 counties, cities and major towns and villages across the country, with more than 4,500 outlets nationwide. This business has been started. In just a few years, the Postal Savings Bank of China has developed very rapidly. From the launch of its business to October 2010, the Postal Savings Bank of China has issued loans to nearly 4 million households across the country, with an amount of more than 230 billion yuan, with an average loan of about 5.9 Ten thousand yuan, the Postal Savings Bank of China has issued a total of more than 150 billion yuan in rural areas at and below the county level.
The main pattern on the credit card of the Postal Savings Bank of China is the Chinese character "ding" and the background color is blue-green.
"Ding" - Since ancient times, "Ding" has been regarded as an important weapon passed down from the country and a symbol of the country and power. The word "ding" in the Chinese character is also given extended meanings such as "prominence", "noble" and "grand". The card uses "ding" as the main design element, reflecting the connotation of sincerity and trustworthiness, and the promise of a thousand pieces of gold, as well as the Postal Savings Bank of China's "standing as a tripartite". "Your" service commitment.
Puka blue and green background color - integrating the green, healthy, convenient and fashionable life concept.
The golden background of the gold card - 24K gold courtesy, showing the noble life.
Special shiny material - international advanced technology, highlighting the fashion and noble quality of the cardholder.
That’s it for the introduction to postal credit card repayment.