Generally speaking, because the credit card audience of the Postal Savings Bank is actually very narrow, this means that the use of credit cards of the Postal Savings Bank will be restricted to a certain extent for people who consume daily. If the credit card you apply for is only for daily consumption or daily travel, I don't particularly recommend applying for a credit card from the Postal Savings Bank.
Company profile:
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.
What are the credit card swiping skills of Postal Savings Bank?
If you don't pay attention to credit card swiping, you may be subject to bank risk control, resulting in a decrease in the amount. So, what are the credit card swiping skills of the Postal Savings Bank?
Card swiping skills:
1. Remember your billing date and repayment date.
For example, if the 20th of each month is your bill date, the 5th of next month is the repayment date. You1spent 65438 from October 20 to February 20, and paid it back before March 5, and so on, so this is what the bank calls the shortest 15 and the longest 50 days interest-free repayment. If the repayment is not made in full before the repayment date, the interest will be calculated from the settlement date of each consumer, generally speaking, from the credit card date, not from the repayment date.
2. Pay attention to safety when swiping the card
At present, the People's Bank of China strictly checks the cashing behavior of credit cards, so some credit card POS machines that provide cashing services are blacklisted by the People's Bank of China. If you use a credit card, even if it is not cashed out, it will be recorded as cashed out, which will affect your credit history.
3. Ensure the number of swipes.
Ensure that the number of swipes per month is above 10, and the amount will not be too large. The key point is that if the frequency is high, the bank will think that you need this credit card more, and the card utilization rate is high, and the bank will focus on increasing the quota of these people.
4. There are various credit card merchants.
Don't always swipe your card at the same merchant. This will not only make the bank feel that we are suspected of cashing out, but also make the bank feel that our credit card scope is not wide. In this way, it is difficult for banks to receive interest from merchants, and naturally we can't increase the quota. So it will be very helpful for us to have as many merchants swipe their cards as possible.
5. The credit card amount cannot be too large.
As I said before, the number of brushes and the amount of brushes are actually equally important. If you brush a small amount every time, less than a few hundred dollars, it will be even more difficult to raise the amount.
What about the credit card of the Postal Savings Bank?
First, the credit card of the Postal Savings Bank is perfect and can be applied to the pattern consumption platform, which is simple and affordable.
The postal savings platform also has the welfare benefits of the card consumption world, which can be handled online, and the safest and most reliable way to use it can be obtained by directly binding the consumption platform.
For example, WeChat Alipay, a popular platform, can save money in addition to consumption. You can take a bus anywhere except paying utilities, and you can use your card freely.
Postal savings stores also have investment series, with high interest rates. As long as you have a card, you can enjoy the welfare benefits of economic bills. A few hundred dollars a month to end a card is not a problem.
Moreover, it is closely related to food, clothing, housing and transportation, and there is no bill that the postal network card cannot pay.
Second, there are many types of postal savings bank cards, including debit cards, savings cards and credit cards, which compete with other banking departments.
For example, the dividend period of annual interest, such as the dividend system of monthly interest, such as the futures treatment in investment, such as the coupons of major shopping platforms, can be accompanied by postal savings bank cards.
If other banks are tailor-made by a series of individuals who are responsible for saving and paying, the Postal Savings Bank is a one-stop service.
Sometimes the income of these bank cards is not as good as that of online merchant banks, but many real consumers still recognize the charm value of the Postal Savings Bank.
Third, banks have their own characteristics and treat them differently. The Postal Savings Bank can still be independent, while the other banks are still independent, each with its own cheese and its own way of perfection.
Nowadays, there are no streets full of consumer cards and postal savings bank cards, which is also the value wealth trend of postal savings bank business, which makes consumers trust money interests.
Just as the WeChat Alipay function has ended consumers' money values more and more perfectly, the model offers the best of both worlds, but credit cards can still be used.
Just as more and more independent monetary systems in Taobao, Alibaba, JD.COM and Pinduoduo have bound consumers' monetary concepts, postal savings bank cards can also be attacked from both sides.
China Post credit card has been used. Can I see how to use it?
Many people don't know how to look at the credit card consumption records of the Postal Savings Bank. Can the credit card of Postal Savings Bank check personal consumption records? Now let's have a look!
Answer:
1, there are several ways: Look at the credit card bill sent by China Postal Savings Bank, which will clearly tell you the credit card consumption record of Postal Savings. Check the credit card consumption records of postal savings through the nearby China Postal Savings Bank or other ATM machines. If the balance on the bill is negative, you still owe money. Don't forget to pay off the credit card debt, otherwise it will affect your credit history. Official website Postal Savings Bank, and then in the navigation bar on the homepage of Postal Savings Bank-credit card. After entering, enter the Credit Card Center of Postal Savings Bank, click online banking login on the left, and the bank password can be used to query the credit card consumption records of Postal Savings Bank in the last six months. If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.
2. Consumption records can be queried by downloading the APP, querying on the mobile phone, or querying through the popular version of the computer. The bank sends an email to the mailbox every month. Look at the following documents about credit card records and manage your credit card properly. The People's Bank of China stipulates that all card-issuing banks should regularly upload customers' consumption and repayment records, and cannot tamper with them. The bank will not make any bad comments on your usage records, but only give a truthful feedback on your historical usage records without any subjective judgment. If you follow up the loan business, the loan bank will comprehensively refer to your credit history, not only for a certain period of time, but also for your credit if you can keep a good record of consumption and repayment. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit record caused by overdue credit card repayment will be kept in the credit information system for two years. If the card is terminated, the corresponding record will not be scrolled, but will be saved for a long time. Therefore, after the credit card is overdue, it is best not to cancel the credit card immediately after paying off the arrears, but to continue to use the card for more than two years, during which the credit remains good and the bad records are removed from the credit information system by rolling records. 0030 10 stipulates that the retention period of bad personal information of credit reporting institutions is 5 years from the date of termination of bad behavior or incident; If it is more than 5 years, it should be deleted. If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.
Introduction of Credit Card Withdrawal Operation in Postal Savings Bank
When away from home, many friends may encounter insufficient funds. At this time, cash withdrawal is a good solution. Let me take a look at the introduction of the credit card withdrawal operation of the Postal Savings Bank with the gold investment credit card.
First, the Postal Savings Bank credit card withdrawal fee
1, overdraft cash withdrawal
Domestic cash withdrawal is the handling fee of 1%, and the lowest is 10 yuan.
Overseas cash withdrawal 1% amount, the lowest 15 yuan.
2. Cash withdrawal for overpayment
Domestic cash withdrawal is the handling fee of 1%, and the lowest is 10 yuan.
Overseas cash withdrawal 1%, gold card 0.5%, minimum 15 yuan.
2. Credit card interest of Postal Savings Bank.
From the date of cash withdrawal, the bank will calculate the cash withdrawal interest at the daily interest rate of 0.5 ‰, and compound interest monthly until the arrears are paid off.
For example, Xiaobai took a credit card from the Postal Savings Office on October 5th, 65438/KLOC-0, and withdrew 5000 RMB from the ATM. Xiaobai Postal Savings Office has a monthly billing date of 15 and a repayment date of 25th, so the bill he received at 10 15 is the total interest of principal withdrawal (from the consumption date to the billing date), namely:
50005000 1%50000.05% 10=5075
On the 22nd repayment date, the bill only shows the interest from the 5th consumption date to 15 billing date. During the period from the billing date to the repayment date, the withdrawn principal still generates interest day by day, which is automatically included in the next billing cycle and appears on the bill of 1 15:
50000.05%7= 17.5
Note: This item is 65438+ 10 unpaid interest.
50000.05%70.05%23=0.20 125
Note: this item refers to the unpaid interest from June 65438+1October 22nd to June 65438+1October 5th.
3. Credit card withdrawal amount of Postal Savings Bank
Generally speaking, the withdrawal amount of Capka credit of the government reserve bank is 30% of the credit amount, and the withdrawal amount of gold card is 50% of the credit amount. Withdrawal fees and interest will take up the withdrawal amount.
Four, the Postal Savings Bank credit card withdrawal method
1, cash withdrawal at the counter
In China, RMB cash can be withdrawn at the counters of branches of Postal Savings Bank with credit cards and transaction passwords. You must enter the correct transaction password and sign the withdrawal voucher for confirmation.
2.ATM cash withdrawal
No matter at home or abroad, you can withdraw money from ATM machines with the card organization logo of postal savings credit card, and you must enter the correct transaction password when withdrawing money.
The above is the "Introduction of Credit Card Withdrawal Operation of Postal Savings Bank" that I introduced to you. I hope this article I compiled is useful to you. Want to know more about credit cards, I suggest you pay attention to Jintou Credit Card!
Disclaimer: The operation suggestions in this paper only represent the views of third parties and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Deal with it accordingly at your own risk.
I used my postal credit card to swipe 10000, and I have to pay back 12 or 24 issues every month. How much is the interest?
I swiped 10000 yuan with a postal credit card in 12 installments, and each installment should be paid back:10000/1210000/120.6% = 838.33 yuan.
24 installments per installment:10000/2410000/240.6% = 419.17 yuan.
Provisions on credit card installment of China Postal Bank:
1. Postal Savings Bank provides the number of issues of three, six, 12, 18 and 24, and Jinye Card products provide two additional issues, each of which is 1 month. Cardholders who apply for transaction installment and bill installment can freely choose the number of the above five installments; Cardholders who apply for merchant staging can freely choose according to the number of staging provided by merchants.
2. Installment fee pricing and collection: transaction installment fee and bill installment fee are charged on a monthly basis, regardless of the application amount, and 0.3%-0.85% of the total installment principal is charged for each installment. Handling fee rate: 0.6% of the total installment principal/period, which will be collected on schedule. For details, please call the credit card customer service hotline at 40088-95580.
Extended data
China Post Bank has a low threshold for applying for credit card installment, and a single transaction of "transaction installment" can be applied when it reaches 500 yuan; The proportion of handling fees does not increase with the increase of installment times, and it is not necessary to pay in one lump sum when applying for installment, but to collect them in installments, thus reducing the pressure on users to repay in the first installment.
Postal credit cards can be applied by calling the credit card customer service hotline 40088-95580 or through personal online banking, mobile banking, uplink SMS and micro-banking of Postal Savings Bank.
Cancel the transaction by installment and bill installment, and charge the cancellation fee to 20 yuan; There is no account cancellation fee for merchant installment, telemarketing commodity installment and online banking merchant installment. There is no extra prepayment fee for prepayment, but the cardholder has to pay the formalities fee for undistributed principal.