Which one is better, Agricultural Bank Card or Postal Savings Card?

I think the China Postal Savings Bank Card is better. The specific advantages are as follows:

1. The Postal Savings Bank of China has more outlets. A few years ago, it proposed to have 60,000 business outlets, and now it is definitely far more than that. Agricultural Bank of China certainly doesn’t have that many.

2. China Post is located all over rural areas and cities. They can be seen in every town in China. Postal Savings Bank of China's handling fees are cheaper, with a maximum cap of 50 yuan for Postal Savings Bank and a cap of 100 yuan for Agricultural Bank of China. Mainly fees for withdrawing money from other places, transfers, etc. I don’t know about the others.

3. The interest rate of Postal Savings Bank is higher. However, some people say that the Postal Savings Bank is a "professional account" of insurance, so when saving money, you must learn to distinguish the products and do not turn saving money into insurance.

4. Postal Savings Bank of China does not have an annual fee. It only charges a five-yuan card fee when "opening the card." Note that it is only charged once, while the Agricultural Bank of China has an annual fee of ten yuan and charges it every year. Fourth, the Postal Savings Bank of China charges a small management fee of three yuan every quarter if the average balance on the card is less than 100 yuan every quarter, while the Agricultural Bank of China charges a small management fee of 300 yuan every quarter if the average balance is less than 500 yuan. , the threshold of Agricultural Bank of China is too high.

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Advantages and disadvantages of Agricultural Bank of China:

1. Agricultural Bank of China likes to make large purchases, such as buying home appliances and decoration. Of course, try to follow up on this before using it. Call the customer service to explain the situation. Agricultural Bank of China does not look at debts. You can spend more and swipe more. There is no limit on the number of swipes. Agricultural Bank of China likes to swipe more.

2. The temporary quota of Agricultural Bank of China occupies a fixed quota. In other words, using a temporary quota once takes up the time for the fixed quota to increase. It is best not to use the temporary quota.

3. There are many business outlets. Of course, another advantage of Agricultural Bank of China compared with the other three major banks is that it has many branches in small places. Agricultural Bank of China probably has the most branches among the four major banks. Because it is "agricultural", you can easily find Agricultural Bank of China even in a small place.

4. Agricultural Bank of China has many low-limit cards, but you’d better not cancel the card, because once the card is canceled, it will not only take six months to apply, but it will also not be easy. The best way is to continue using it, go to the Agricultural Bank of China with your asset certificate and income certificate and fill out the quota increase application form. Generally, the quota increase result will be available in about half a month.