Applying for a postal bank credit card can be done in the following two ways:
1. Apply at a postal bank branch. You can go to the bank counter with your ID card and the bank staff will help. Complete the operation.
2. Apply on the official website of Postal Bank.
Advantages
Compared with ordinary bank debit cards, the most convenient way to use credit cards is to make ordinary purchases. In many cases, you only need to return the consumed amount on schedule.
You can make overdraft purchases without depositing, and you can enjoy an interest-free period of 20-56 days for on-time repayment. Banks will charge a fee of 50,000 cents on the day of cash withdrawal. Industrial and Commercial Bank of China is free of charge for cash withdrawals. Only
swiping your card when shopping is not only safe and convenient, but also provides gift points.
You can enjoy discounts when you use the card at the bank's designated merchants.
Accumulate personal credit that will benefit you throughout your life.
Accessible nationwide, TM and POS machines are only suitable for consumption by credit card. It is best not to withdraw cash. The cash withdrawal fee is very high and not cost-effective)
Consumption by credit card and some credit cards Lottery activities for collecting existing points will allow you to always be surprised as long as you use the card; (Most credit card online payments do not have points, but online shopping payments
Free monthly mailing of statements for consumption expenditures; (Now promoting green Ring statement)
Disadvantages
The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis, but the purpose of banks issuing credit cards is to make money. During the repayment period, a high amount of interest will be charged, usually five ten thousandths per day
Swiping a card for blind consumption is not like spending the money one by one like paying cash. Once you swipe it, it’s nothing. I feel that a few numbers lead to blind consumption and waste of money.
Excessive consumption of laptop installments, digital camera installments, and smartphone installments. While enjoying your favorite items in advance, you must also consider whether you have it. Ability to repay.
High interest rate If you don’t know how to take care of your credit card and cannot repay it as scheduled when the final payment date comes, the bank will charge you high interest (the minimum payment for the first month of the credit card). 10 of the amount)[8]
Credit cards that require annual fees basically have annual fee policies. For example, China Construction Bank only needs to swipe the card three times a year to waive it; but if you have not swiped the card in a year to meet the bank's specified The number of times requires an annual fee.
Scam credit cards basically default to password-free purchases, which makes it easy for others to use them when they are lost or stolen, causing unnecessary trouble or losses. But in fact, credit cards also depend on how you manage your credit cards. Of course, many people do not close their accounts after canceling their credit cards due to lack of experience in this area. It is not worth it to be re-applied for a credit card by some criminals.
It will affect your personal credit record and even be blacklisted by the bank. If you want to apply for a loan from the bank to buy a house or a car in the future, you may be rejected by the bank.
CCTV reported that the cancellation is a troublesome thing. However, there have been cardholders who have paid off all the outstanding balances and canceled their credit cards for several months and still suffered misery. There is an interest period, but it is only for card consumption. There is no interest-free period for cashing out, and a handling fee will be charged.