Is it free to call the customer service phone of the Postal Savings Credit Card?

Postal savings bank credit card customer service telephone number 95580

China Postal Savings Bank Credit

The customer service telephone number is 40088-95580.

If you have questions about the credit card of the Postal Savings Bank or want to handle related business, it is suggested to dial 400-88-95580 for manual service, select voice after dialing, and enter the manual service according to the voice prompt button after completing personal identity verification.

Postal savings bank credit card manual service can provide users with credit card application consultation, application progress inquiry, password modification or reset, credit card loss reporting, account inquiry and other functions. You just need to verify your identity and ask the customer service for relevant requirements.

Matters needing attention

It should be noted that the 400-88-95580 credit card customer service phone number is not free, but is charged according to the local phone bill. If you want to contact customer service for free, you can click on the manual customer service on the credit card official website of Postal Savings Bank to communicate with customer service directly online.

95580 business functions:

The 95580 telephone banking system has realized the functions of inquiring about savings, remittance, small loans, funds, national debt, wealth management, international companies, credit cards, loss reporting of savings accounts and so on.

Customers who have registered to provide telephone banking services can also choose to provide services such as transfer and remittance, investment and wealth management (including fund business, wealth management products business and national debt business) and payment of telecom tariffs.

After calling 95580 telephone banking, the customer can complete the above transaction by inputting the postal savings account number or++according to the voice prompt of telephone banking.

Postal savings credit card customer service telephone number

400-88-95580。

Postal savings bank credit card is a standard RMB credit card of UnionPay, which has rich functions such as overdraft consumption, overdraft cash withdrawal, installment payment, points earning and so on. Provide 24-hour customer service hotline, free bill delivery, self-deduction repayment association and other services. In addition, there are powerful functions such as free transaction fees for repayment in different places, free SMS reminders for large transactions, and interest-free period concessions for consumption. The minimum available amount for application is RMB 3,000, of which RMB 65,438+0 can be used for cash withdrawal in 500 yuan.

Function:

Postal savings bank credit card is a standard RMB credit card of UnionPay, which has rich functions such as overdraft consumption, overdraft cash withdrawal, installment payment, points earning and so on. Provide 24-hour customer service hotline, free bill delivery, self-deduction repayment association and other services. In addition, there are powerful functions such as free transaction fees for repayment in different places, free SMS reminders for large transactions, and interest-free period concessions for consumption.

The newly issued credit card of Postal Savings Bank is designed with Ding as the pattern, which not only shows the historical and cultural heritage, strong strength, sincerity and trustworthiness of the postal service, but also reflects the service commitment of Postal Savings Bank to "do the best for you". The blue-green card background symbolizes peace, life and hope, and injects a relaxed, bright, convenient and fashionable card concept into life. The biggest feature of the postal savings credit card is that it is free of annual fees for life. After applying for opening the credit card of Postal Savings Bank, customers will not have to worry about the complicated annual fee reduction rules. Moreover, there are many ways to repay credit cards: cardholders can repay through various outlets of the Postal Savings Bank, automatic transfer, self-service deposit machines and ATM transfers.

charging standards

Annual fee: 65438 yuan +025 yuan/year for the main gold card and 60 yuan/year for the supplementary card; Puka is free of annual fees for life.

SMS: Service charge: Gold card is free, Puka 3 yuan/month/household.

Interest-free period: 20-5 1 day

Minimum repayment ratio: 10%

Cash withdrawal fee: 1% of the domestic transaction amount, with a minimum of 10 yuan, plus inter-bank 2 yuan fee. Overseas, the transaction amount 1%, the lowest in 20 yuan.

Late payment fee: 5% of the unpaid part of the minimum repayment amount, minimum 10 yuan.

Over-limit fee: 5% of the over-limit amount: the lowest 5 yuan and the highest 200 yuan.

Handling fee for reading the bill: copy 10 yuan/copy, and original 50 yuan/copy.

Handling fee for reissued bills: free of charge within 3 months, and 5 yuan/copy for more than 3 months.

To recover the overpaid handling fee: 0.5% of the domestic transaction amount, with a minimum of 10 yuan, and 2 yuan handling fee will be charged across banks. Overseas, 0.5% of the transaction amount, the lowest is 20 yuan.

Postal savings credit card phone number

Postal savings bank credit card customer service telephone number: 400-88-95580; Call 400-88-95580- press 0 to connect the manual service.

What is a credit card?

Creditcard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.

2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.

Debit card is an ordinary savings card, and its account attribute is current deposit account, which can be used for consumption, atm deposit and withdrawal, etc. Credit cards can be used for spending, atm deposits and withdrawals, etc. The biggest advantage is that you can overdraw (with a certain credit limit).

Generally speaking, bank cards are divided into credit cards and debit cards.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

So much for the introduction of the customer service phone of the Postal Savings Credit Card.