Postal credit card handbook customer service phone number

What is the postal credit card number?

Postal credit card phone: 400-889-5580

1. Postal Savings Bank credit card Capka is a product for ordinary users launched by Postal Savings Bank. Based on the concepts of convenience, benefit and safety, we will create practical card types for our customers.

2. Product characteristics

Permanent free of annual fee: the main card and the auxiliary card are permanently free of annual fee, free of annual fee expenditure, and can be swiped at will.

Optional installment payment: you can choose "any installment" bill installment and "transaction installment", with no interest and low handling fee.

Password and SMS double protection: activate the card through the 24-hour customer service hotline, set the transaction password and inquiry password online in real time, or log in to online banking for real-time online activation, which is safe and fast.

Consumers enjoy the longest interest-free repayment period of 50 days: the longest is 50 days, and the shortest is 20 days, giving priority to enjoying a leisurely life.

Optional billing date: A variety of billing dates can be selected, making it convenient and flexible to arrange repayment.

Points are permanently valid: when you spend one yuan to accumulate a point, points are permanently valid, points are transferred and exchanged, and various points plans are easily realized.

Postal credit card is a kind of card that is close to the people. No annual fee, strict safety measures, long repayment period and permanent validity of points.

Postal credit card telephone customer service manual service telephone

24-hour customer service hotline: 400-889-5580.

China Postal Savings Bank credit card is a RMB credit card, which is a UnionPay standard card. It has all the functions and services of a UnionPay standard credit card and can be freely consumed 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, China Postal Savings Bank had completely covered all cities, 2 100 counties, cities and major towns, and about 4,500 outlets across the country had 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.

Card meaning:

The main pattern of Jinka China Postal Savings Bank credit card is Chinese character Ding, and the background color is blue-green.

"Ding"-Since ancient times, "Ding" has been regarded as a heavy weapon to spread the country and a symbol of the country and power. The word "Ding" in Chinese characters has also been endowed with extended meanings such as "distinguished", "distinguished" and "grand". The design of the card takes Ding as the main element, which embodies the connotation of sincerity and trustworthiness and the service commitment of China Postal Savings Bank to "stand for you".

Puka blue-green background color-incorporating green, healthy, convenient and fashionable life concept.

Gold card on gold-24 K gold courtesy, showing distinguished life.

Special shiny material-international advanced technology, showing the fashion and noble quality of cardholders.

Face and meaning

Basic functions:

Postal savings bank credit card is a standard RMB credit card of UnionPay, which has rich functions such as overdraft consumption, overdraft cash withdrawal and installment payment. 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.

Special functions:

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.

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.

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 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 dialing 95580 telephone banking, the customer can complete the above transaction by entering the postal savings account number or following the voice prompt of telephone banking.

So much for the introduction of postal credit card manual customer service.