Postal savings bank cards are not all consumed, and SMS prompts consumption.

First, not necessarily. If SMS reminder is enabled on your bank card, as long as your account balance changes, there will be SMS reminder whether you enter or leave the account.

Second, the benefits of postal savings credit card:

1. You can spend money without overdraft, enjoy an interest-free period of 20-56 days, and repay on time without any charge (most banks will charge 0.5% interest and 2% handling fee on the day of cash withdrawal, and ICBC will only charge interest);

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift;

3. Special merchants who hold cards in banks can enjoy preferential treatment;

4. Accumulate personal credit, add a credit record to your credit file, and benefit for life;

5. Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATMs and POS machines with UnionPay logo;

6. Credit card spending, extracting existing points from some credit cards, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card.

7. Mail the statement free of charge every month, so that you can grasp every consumer expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it to electronic statement).

8. Unique supplementary card function, suitable for husband and wife to jointly manage their finances or master their children's financial expenses;

9. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB; 10.400 telephone or 9-character 5-digit short number 24-hour service, loss reporting takes effect immediately, and there is no risk of losing the card;

Three, the regular use of postal credit card points:

1. You can exchange credit card points for physical gifts, and you can exchange physical gifts in credit card malls of major banks, including household appliances, daily necessities, digital products and so on. Cardholders can log in to the issuing bank in official website to find out what gifts they can redeem and how many points they need, and redeem them according to their own needs and points.

2. Convertible air miles Some aviation co-branded cards, platinum cards and business travel cards can be redeemed for air miles with credit card points, or directly accumulate air miles when spending by swiping their cards. Air miles can be converted into free air tickets, saving cardholders a sum of travel expenses.

3. Convertible credit card payment. Credit card points of some banks can be directly used as currency in cooperative merchants and exchanged for corresponding credit card payment. For example, the credit card consumption activity launched by Guangfa Bank, with 600 points = 1 yuan, can be directly spent in CR Vanguard, OK convenience store, KFC, Pizza Hut, Burger King, Pacific Coffee, Subway and other merchants.

4. Value-added goods exchange In addition to regular exchange, some card-issuing banks will also launch credit card points exchange activities, and a small number of points can be exchanged for value-added goods of cooperative merchants. For example, China Merchants Bank credit card can exchange 799 points for Starbucks coffee; CITIC Bank launched a 9-point redemption activity, and cardholders can redeem 9 points for CITIC when spending in Haagen-Dazs, Starbucks and Wanning 30 yuan.