This card is a debit card jointly issued by Postal Savings Bank and Meituan. It does not belong to the category of credit card, and it is essentially different from credit card.
If you have this kind of card, you'd better cancel it as much as possible, because this kind of card is basically useless and can't bring any benefits to the registrant, and it will also occupy the number of bank cards in your name.
What does a debit card mean? What's the difference between it and a credit card?
Savings card is a financial transaction card issued by banks to provide financial services to depositors, which belongs to a kind of debit card. Its main function is to deposit and withdraw money at networked ATMs and bank counters and spend money at networked POS machines. The following are the differences between a savings card and a credit card:
1. The overdraft authority is different: the debit card is an ordinary savings card and cannot be overdrawn. Only when the cardholder deposits the money into the bank card can he withdraw cash or spend it by credit card; Credit cards can be repaid after spending within the credit limit.
2. Different functional characteristics: the biggest function of debit card is saving, and the deposit in bank card has interest; Credit cards are generally not used for deposits, and the money deposited by credit cards is called super deposit and super payment. Not only can you not enjoy interest, but you may have to charge a certain fee for taking it out.
3, the threshold for handling cards is different: the threshold for handling savings cards is low, and the age meets the requirements, as long as you bring your ID card; To apply for a credit card, not only the age must meet the requirements, but also the applicant must have a stable job and economic income, and personal credit must meet the requirements of the bank.