Postal savings credit card is a RMB credit card, which is a UnionPay standard card. It has all the functions and services of UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years and can be equipped with four supplementary cards. The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding", the background color of Puka is blue-green, and the background color of Gold Card is golden yellow.

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 more than 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.

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Interest-free repayment period of credit card of Postal Savings Bank:

Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the final repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.

If the consumer fails to repay in full before the due repayment date, the bill issued in the current period does not enjoy the interest-free period. The bank collects interest at the daily rate of 0.5% and pays compound interest monthly. The interest-bearing date is from the bookkeeping date to the repayment date, and the interest-bearing principal is calculated according to the actual repayment amount.

If the consumer fails to repay before the due repayment date or the repayment amount is lower than the minimum repayment amount, the bank will charge 5% of the unpaid part of the minimum repayment amount in addition to interest as required.

Tips: overdraft cash withdrawal transactions do not enjoy interest-free repayment period, and interest will be calculated on a daily basis from the transaction entry date until the overdraft cash withdrawal balance is paid off.

Baidu Encyclopedia-China Postal Savings Bank Credit Card

Postal bank of China-credit card