According to the regulations of UnionPay, there is no charge for handling credit cards from submitting an application to activating the card. Your situation should be that you have met a liar. Don't trust him. A credit card with a credit limit of 200,000 yuan belongs to the platinum card level. To apply for this card, the applicant needs to provide more proof of financial resources, such as payroll records issued by the bank, or income tax withholding vouchers, or documents that prove the market value of the house, car, deposit and investment (such as a copy of the property ownership certificate/car driving license/bank time deposit certificate). To apply for a credit card of the Postal Savings Bank, the applicant also needs to meet three basic conditions: age 18~65 years old, stable repayment ability and good credit standing. The proof materials to be provided include identity certificate and income certificate, and the pass rate of applying for credit card through formal channels can be guaranteed. In general, the channels for handling credit cards of postal banks are:

1. Handling at bank outlets: prepare ID cards, income certificates and financial certificates, and handle them at nearby bank outlets. Professionals will serve you.

2. official website processing: log in to the bank official website, enter the credit card center, fill in the information according to the page prompts, and submit the application. Generally, there will be a telephone call back a week later, as long as the staff's questions are answered truthfully, there is no big difference between the information and what they filled in;

3. Contact the salesman to handle it: call the bank credit card center and explain that you need to handle a credit card. After that, a salesman will come to the door to handle it, mainly to let you fill in the relevant information, verify the content and be sincere.

I hope you can get rid of the scam as soon as possible and handle the card smoothly!