Can I overdraw my postcard?

How much can the credit card of Postal Savings Bank withdraw in a day?

The daily withdrawal limit of postal credit card stipulates that the daily overdraft withdrawal amount shall not exceed 10000 yuan (inclusive). The total amount of daily overdraft withdrawal and overpayment withdrawal at ATM terminals shall not exceed RMB 20,000 (overseas withdrawal shall not exceed USD 65,438+0,000 or equivalent foreign currency). If it exceeds 20,000 yuan, you can handle the cash withdrawal business at the outlets. When the cash withdrawal amount exceeds 10000 yuan, in order to ensure the safety of account funds, the network acceptance personnel will check the cardholder's identity document.

Credit card withdrawal is different from credit card withdrawal. Cash withdrawal by credit card is one of the inherent functions of credit card itself. Cardholders can withdraw cash from the bank by credit card. Credit card withdrawal mainly includes overdraft withdrawal and overpayment withdrawal. You need to pay interest for overdraft cash withdrawal, and the interest will be calculated from the day you withdraw cash, while the overpayment cash withdrawal does not require interest, only a part of the handling fee, depending on the bank's regulations.

The overdraft withdrawal amount is set according to the cardholder's use of the card, and the maximum is not more than 50% of the cardholder's credit limit. The daily limit of ATM withdrawal is 2000 per person per card. In addition to the withdrawal fee, domestic and foreign overdraft withdrawals must also pay interest, and some banks can enjoy interest-free treatment.

Overpayment cash withdrawal refers to the cardholder's withdrawal of the funds or overpayments stored in the card when repaying. Overpayment can automatically increase the available amount of the main card, but does not increase the available amount of the auxiliary card. If it is necessary to increase the available amount of supplementary cards, cardholders should call the bank telephone service hotline to apply.

As for the method of withdrawing cash by credit card, the cardholder only needs to log in to the bank's credit card online banking, select the cash advance function, and then follow the prompts, and the cash advance from the credit card can be directly credited to the personal debit card account, which is relatively simple to operate. Telephone cash advance is to dial the customer service hotline of bank credit card, and according to the voice prompt, advance cash will be credited to personal debit card account.

Banking industry insiders pointed out that there are three main reasons for the rise in credit card risk:

First, because the credit card business itself is in a period of rapid growth, the balance of non-performing loans has increased synchronously with the substantial growth of credit card consumption and overdraft.

Secondly, due to the economic downturn, some industries closed down, laid off employees and reduced wages, which led to an increase in overdue credit card accounts and an increase in bad debt overdrafts.

Third, according to the relevant domestic policies, it is difficult to write off the non-performing loans of credit cards independently, which is one of the reasons why the balance of non-performing loans has increased year by year.

How much can the black gold card of the Postal Savings Bank be overdrawn?

Many credit cards launched by the Postal Savings Bank have exceeded the limit.

In China, the black card credit card can generally overdraw 200-100000 yuan, which is the highest among credit cards. Black cards are in the top group. Generally, only rich people and celebrities can be invited to apply, and they can't take the initiative to apply.

What is the postal credit card limit?

Mainly depends on the cardholder's income and assets, specifically the bank regulations. The credit limits of various cards are listed below for your reference:

1, the credit card Capka limit of China Postal Savings Bank is 2,000 to 50,000.

2 China Postal Savings Bank credit card gold card limit is below 654.38+ 10,000.

3. The amount of platinum credit card of China Postal Savings Bank ranges from 6,543,800+10,000 to 1,000,000, which requires financial proof, such as large time deposit certificate+real estate license+vehicle driving license+business license, etc.

China Postal Savings Bank was formally established on March 20th, 2007. It is the fifth largest bank in China and a state-owned commercial bank established on the basis of the reform of postal savings management system. China Postal Savings Bank inherited the postal finance business operated by the former State Post Bureau and China Post Group Corporation, and the assets and liabilities arising therefrom.

What is the credit card limit of the Postal Savings Gold Card?

The credit line of Capka of Postal Savings Bank is about 2000- 10000 yuan, the credit line of Gold Card is between 10000 yuan -50000 yuan, and the credit line of Platinum Card is more than 50000 yuan.

There are many channels for inquiring credit card credit limit, as follows:

1. Log in to Personal Online Banking of Postal Savings Bank-Credit Card-My Credit Card-Account Inquiry;

2. Log in to "Postal Savings Bank" Mobile Banking-Credit Card-My Credit Card;

3. Log in to the "Postal Savings Credit Card" mobile APP- Card Manager-Account Inquiry;

As far as credit cards are concerned, one advantage is that you don't have to bring cash and you can overdraw. In modern society, finance is highly developed, so people can avoid the trouble of carrying cash by using bank cards. Credit cards naturally have this advantage. With a few cards, work, travel and study can help you pay easily, both at home and abroad. Compared with other bank cards, credit cards can be overdrawn, that is, when you are absent or don't have enough money on you, the credit line of credit cards can help you repay in advance, and then you can repay on time when it expires, which is equivalent to a temporary loan that can be used at any time.

The second advantage of credit card: more preferential activities and more gifts. Credit cards are still in the promotion stage of banks, and there are many opportunities for credit cards to cooperate with merchants, so they can naturally enjoy these benefits, such as various co-branded cards: airline co-branded card points can be exchanged for airline miles, car co-branded cards can enjoy free car wash service, and hotel co-branded cards can book hotel discounts. These are real preferential services in life. In addition, there are gifts when you open the card, and there are a lot of gifts during the event. Points can also be exchanged for gifts. As long as you put your heart into it, you can get many favorite small gifts.

The third benefit of credit card: it helps you build a good personal credit. In the future, China will follow the footsteps of developed countries and enter the credit economy society. Good personal credit will make you feel at home in social and economic activities. Just because a person has no credit record does not mean that his credit is good. When dealing with banks and other financial institutions, the most important basis for them to judge your personal economic quality and credibility is your personal credit record. Only if you have a good credit record will the bank be willing to deal with you and trust you. A very simple example, if your credit history is good, then your chances of applying for mortgage and car loan will be much higher.

The fourth advantage of credit card: sufficient interest-free period and working capital for investment. Credit cards generally have an interest-free period of up to 55 days. After the overdraft, you can use the cash on hand as working capital and invest it where you need it more, or invest it without paying any interest during this period. By using several credit cards reasonably, you can basically turn over your daily expenses without paying any interest, and the rest of the money is used for investment and making money. Of course, you must remember to pay back the account on time to avoid overdue penalty interest.

Can I withdraw cash from a postal credit card?

Postal credit cards can be withdrawn.

Cash withdrawal is divided into advance cash (overdraft cash withdrawal) and overpayment cash withdrawal. Postal credit cards can be withdrawn at the business outlets of China Postal Savings Bank and ATMs with postal credit card organization logo at home and abroad, with a maximum of three withdrawals per day. You must enter the correct transaction password at present. If you withdraw cash at the business outlets of China Postal Savings Bank, you should also sign the withdrawal voucher for confirmation.

Extended data:

Postal related laws and regulations

Advance cash domestic and overseas advance cash does not enjoy interest-free treatment, and interest and handling fees must be paid.

China Postal Savings Bank does not charge interest for the overpayment, but only needs to pay the handling fee for the overpayment.

The daily overdraft withdrawal amount of China Postal Savings Bank credit card shall not exceed 10000 yuan (inclusive). The sum of daily overdraft withdrawal and overpayment withdrawal of ATM terminals shall not exceed 20,000 yuan (overseas withdrawal shall not exceed 1000 USD or equivalent foreign currency).

Postal savings bank of China-cash withdrawal

What is the credit card overdraft limit of Postal Savings Bank?

Some netizens left a message asking what is the credit card overdraft limit of the Postal Savings Bank? What if the overdraft limit exceeds the prescribed limit? Do you know the consultation of this netizen? It doesn't matter if I don't know. Let's take a look and give you a detailed introduction.

Postal credit card overdraft is divided into two types: early cash withdrawal and excess cash withdrawal. So, what is the single withdrawal amount of these two methods? According to the regulations of the Credit Card Center of the Postal Savings Bank, the amount of cash withdrawn from the ATM every day cannot exceed 2,000 yuan, and it can be withdrawn at most 3 times a day.

2000 yuan at a time, up to 3 times a day, that is, up to 6000 yuan a day, then the problem comes. What if the money is not enough? You can go to the postal savings bank outlets to handle related business. However, the cash withdrawal amount of credit cards at outlets does not exceed 65,438 yuan+0,000 yuan, and the bank staff will check the users who apply for cash withdrawal to ensure the security of credit card transactions.

The above is the content of the overdraft limit of postal credit card. Introduction,

, you can handle postal credit cards safely and quickly.

How much can a postal credit card be overdrawn? Can a postal credit card be overdrawn? This concludes our introduction. I wonder if you found the information you need from it?