It is not difficult for the Postal Savings Bank to apply for a credit card.

As long as the age meets the requirements, you have a fixed job and good credit, you can basically approve the card.

Friends who want to apply for a credit card of the Postal Savings Bank only need to prepare their identity documents, work income certificates and asset financial certificates.

Postal savings bank credit card application conditions are as follows:

1. Applicants who apply for the master card of the Postal Savings Credit Card must be Chinese mainland residents aged 18 and under 60; Applicants for the supplementary card of the Postal Savings Credit Card must be Chinese mainland residents under the age of 60.

2. Applicants need to have legal and stable work income.

3. The applicant's personal credit should be good, and there is no record of overdue repayment of bad cards.

4. Supplementary card application conditions: the supplementary card holder must be a relative of the main card holder, that is, the parents, children, siblings or spouses of the main card holder.

Postal credit card application procedures are as follows:

1, find a credit card salesman or lobby teller to fill out the application form, and then submit the above information to the bank for review. Whether or not to approve the card and the amount of card approval depends on the comprehensive score of the bank.

2. Identity card; Work certificate or income certificate; Work phone, home phone and my mobile phone; Tax payment certificate; Proof of assets such as real estate and vehicles under the name of the individual; Other banks, credit cards and so on. The import standards of each bank are different, so the above information is not necessary, depending on the requirements of the bank.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and social needs.

Main types

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

Is it easy to apply for a postal credit card?

Good application.

I. Credit card status of Postal Savings Bank

China residents, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan who need the applicant to be at least 18 years old, with full capacity for civil conduct and good credit standing can apply for a personal credit card master card with their valid identity documents. Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.

Cardholders should have stable repayment ability.

Second, fill out the application form.

Three, the Postal Savings Bank credit card to provide the required proof.

Postal savings in China can be traced back to the postal savings business started in 19 19, which has a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading battle-listing in A and H" was successfully completed.

The bank has nearly 40,000 outlets, serving more than 600 million individual customers, giving full play to the unique mode advantage of "self-support+agency" to serve "agriculture, rural areas and farmers", urban and rural residents and small and medium-sized enterprises. With excellent asset quality and remarkable growth potential, the Bank is a leading large retail bank in China.

The Bank insists on serving the real economy, actively implements the national strategy, supports the construction of China's modern economic system, and realizes its own sustainable development. Adhere to customer-centric, build an online and offline integrated financial service system, and provide our customers with high-quality, convenient and efficient integrated financial services. Adhere to the risk orientation, constantly improve the "all-round, all-round, all-staff" comprehensive risk management system construction, and maintain the excellent level of asset quality. Adhere to the mission of "inclusive urban and rural areas, so that financial services have no distance" and provide inclusive finance services; Follow the trend of residents' wealth growth and consumption upgrading, and develop wealth finance; Support the transformation and upgrading of industrial structure and develop industrial finance; Implement the major deployment of peak carbon dioxide emissions and carbon neutrality, and develop green finance. Empower high-quality development with financial technology and build a digital eco-bank that serves rural revitalization and new urbanization.

After 14 years' efforts, our market position and influence are increasingly prominent. Fitch and Moody's respectively gave the bank A+ and A 1 ratings consistent with China. Standard & Poor's Global gave it an A rating, Standard & Poor's credit rating gave it an AAAspc rating, and China Chengxin International gave it an AAA rating. The prospect is stable. In 20021year, the Bank's Tier 1 capital ranked 15 in the "Top Global Banks 1000" published by The Banker.

Facing the promising period of strategic opportunities for China's economic and social development, the Bank will base itself on the new stage of development, implement new development concepts, serve the new pattern of development, comprehensively deepen reform and innovation, and strive to build itself into a first-class large-scale retail bank with customers' trust, distinctive features, stability and security, innovation-driven and excellent value.

Is it easy to apply for a postal credit card (debit card)?

Chinese mainland residents aged 18 to 60 can apply for a credit card (debit card) of China Postal Savings Bank. The materials required to apply for the card are a copy of the applicant's ID card and work certificate, and the optional materials are any one of financial certificate and proof of relationship with the Postal Savings Bank.

Postal credit cards (debit cards) can only be handled at business outlets, not online, which requires higher credit status of applicants. Compared with other bank credit cards (credit cards), the review is stricter, so it is not particularly good to apply.

What are the application conditions for postal savings credit card? Good application?

Postal savings bank is the fifth largest bank in China, with a wide business scope and many customers, many of whom have applied for postal savings credit cards. So, is it easy to apply for a postal savings credit card? What are the application conditions for postal savings credit card? Today I will introduce its application conditions for you.

I. Age

The applicant for the main card of the Postal Savings Credit Card must be between 18 and 60 years old, with full capacity for civil conduct, and the applicant for the secondary card must be between 16 and 60 years old.

Second, work income.

Applicants need to have legal and stable work income.

Third, personal credit.

The applicant's personal credit should be good, and there is no record of overdue repayment of bad cards.

It should also be noted that if you want to apply for a supplementary card, the supplementary card holder must be a relative of the main card holder, that is, the parents, children, siblings or spouses of the main card holder.

However, if you apply for both the primary card and the secondary card, each primary card can only apply for one secondary card. In other cases, the application for the supplementary card should be submitted after the main card is approved. Each main card can apply for up to four supplementary cards.

The above is a summary of the application conditions for postal savings credit cards. The application conditions of postal savings credit card are ok. As long as you have a regular job and good credit, you can apply, and you can also apply for a supplementary card if you are not old enough. Friends who need to apply can prepare identification documents, work income certificates and asset financial certificates.

This is the end of the introduction about how easy it is to apply for a credit card in China Post. I wonder if you have found the information you need?