Postal Savings EMS Credit Card

The ems co-branded card is a bank card jointly issued by the Postal Savings Bank of China and China Postal Savings Bank.

The EMS co-branded card is a national co-branded credit card jointly developed and issued by the Postal Savings Bank of China and China Postal Express Logistics. , including three levels: regular card, gold card and platinum card, covering the two major card organizations, UnionPay and MasterCard.

This product is mainly aimed at overseas consumers, overseas shopping consumers and domestic delivery customers. Card holders can enjoy multiple benefits such as domestic delivery discounts, China Post overseas shopping membership services, and MasterCard overseas consumption cash rebates. .

EMS co-branded card

Card face design:

The card face is designed based on the fast service and wide service area of ??EMS. Through the dotted map, With the streamlined curve and the combination of virtual and real, it intuitively reflects the strong advantages of EMS in terms of wide service range, speed and convenience, and also highlights the concept of global enjoyment with EMS co-branded cards.

Product features:

The service is very comfortable: one account with two primary cards, and enjoy dual benefits from UnionPay and MasterCard

Overseas shopping is worry-free: China Post Overseas shopping provides you with preferential, safe and convenient overseas shopping transfer services

Payment is very considerate: EMS Mastercard can enjoy cash rebates for overseas purchases, up to US$1,000 per year

Shipment Very reassuring: Newly issued cards are shipped by EMS express, free of delivery fees

The annual fee is heart-warming: EMS MasterCard is free of annual fees for life, and EMS UnionPay cards have the same annual fee as standard ordinary cards and standard gold cards. , Dingya Platinum Card

Cash withdrawal handling fee discount: The first domestic cash withdrawal from a local bank in each billing month is free of handling fee

Domestic delivery discount: EMS UnionPay cards can enjoy EMS delivery discounts , regular and gold cards enjoy a 20% discount (maximum discount of 5 yuan per order), and platinum cards enjoy a 30% discount (maximum discount of 8 yuan per order), no more than 12 times throughout the year.

What are the conditions for China Post to apply for a credit card? What materials are needed?

China Post can apply for credit cards.

The conditions for applying for credit are as follows:

1. Be over 18 years old;

2. Have a stable source of income;

Apply Materials required for Postal Savings Bank Credit Card:

Application materials include but are not limited to personal identity certificates, copies of ID cards, work certificates stamped with the company’s official seal, proof of income such as employee badges, and proof of property. Personal deposits, financial products, stocks, real estate certificates, vehicle certificates, etc. It should be noted that if you want to successfully apply for a Postal Savings Bank credit card or if you want to apply for a credit card with a high initial limit, you can try to provide it when submitting the card application.

Is it easy to apply for a postal credit card?

It is difficult to apply. Compared with other five major banks, it is more difficult to apply. Compared with the five major banks, Postal Bank's credit cards have higher limits and lower rates. However, the application restrictions in some areas are very strict, so it is difficult to apply.

PSBC Credit Card is a RMB credit card and is a UnionPay standard card. It has all the functions and services of a UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years. , four supplementary cards can be set. The main pattern on the China Postal Savings Bank credit card is the Chinese character "ding", the background color is blue-green for regular cards, and golden for gold cards.

According to statistics, as of October 2010, the Postal Savings Bank of China's business has fully covered all prefectures and cities, 2,100 counties, cities and major towns and villages across the country, with more than 4,500 outlets nationwide. This business has been started. In just a few years, the Postal Savings Bank of China has developed very rapidly. From the launch of its business to October 2010, the Postal Savings Bank of China has issued loans to nearly 4 million households across the country, with an amount of more than 230 billion yuan, with an average loan of about 5.9 Ten thousand yuan, the Postal Savings Bank of China has distributed more than 150 billion yuan in rural areas at and below county level.

The Postal Savings Bank credit card is a UnionPay standard RMB credit card. It has rich functions such as overdraft consumption, overdraft cash withdrawal, and installment payment; it provides a 24-hour customer service hotline, free bill delivery, and self-deducted repayment. Related services. In addition, there are powerful functions such as free transaction fees for repayment in other places, free text message reminders for large transactions, and interest-free period discounts for consumption.

China Postal Savings Credit Card Gold Card is a standard credit card product developed for mid-to-high-end people. In addition to revolving credit, consumer installments, cash advance, optional password, and other services, the product also has air ticket and hotel reservations, supplementary card limit adjustment, 48-hour card loss protection, free transaction reminders, high-limit cash advance, and birthday double payment. It is a real credit card that meets international standards and has many special services such as double points and exciting gift redemption. It allows cardholders to enjoy the convenience and benefits of "swipe the card first to spend and then repay later" at home and abroad, and use the card worry-free anytime, anywhere. .

This gold card product has been fully upgraded compared to regular cards in six major aspects including card use safety, convenience and smart financial management, providing cardholders with a more superior card use experience.

Real-time transaction reminders--As long as there is a transaction in your account, you can receive free transaction SMS reminders from our bank. 50% cash advance ratio-Gold card holders can enjoy a cash advance ratio of up to 50%.

What is the general postal credit card limit?

It mainly depends on the income and assets of the card holder, and the specific bank regulations. The limits of various cards are listed below for reference:

1. The general card limits of Postal Savings Bank of China credit cards are 2,000 to 50,000.

2. The limit of Postal Savings Bank of China Credit Card Gold Card is less than 100,000.

3. The credit limit of Postal Savings Bank of China Platinum Credit Card ranges from 100,000 to one million. The required financial proofs include: large time deposit certificate, real estate certificate, vehicle driving license, enterprise business license, etc.

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

Which postal credit card application is better

1 Card applicants can choose a credit card with no annual fee or a credit card with an annual fee that can be offset, among which Dingya Platinum Credit Card (Little Platinum) , EMS co-branded credit cards are relatively good, and users can judge according to their own needs.

2 Choose a credit card with a higher starting limit, so that no matter what kind of platinum card it is, at least the limit is guaranteed. There are still relatively few requirements for provident fund-related qualifications, so card applicants have a greater chance of passing the application.

Postal Savings Bank of China is a large retail commercial bank in China. It was established on March 6, 2007 and is headquartered in Xicheng District, Beijing.

Formerly known as the Postal Savings Bank; in 2016, the Postal Savings Bank was successfully listed on the Main Board of the Hong Kong Stock Exchange. Mainly engaged in banking and financial services business.

On the evening of October 28, 2021, Postal Savings Bank disclosed its third quarter report. The company’s third quarter operating income was 80.705 billion yuan, a year-on-year increase of 1.543%; net profit was 23.497 billion yuan, a year-on-year increase of 22.47%. Net profit in the first three quarters was 64.507 billion yuan, a year-on-year increase of 22.07%.

Company Profile

In accordance with the overall arrangements for the financial system reform of the State Council, and on the basis of reforming the original postal savings management system, in March 2007, the Postal Savings Bank of China Co., Ltd. The company was officially established. On January 21, 2012, with the consent of the State Council and the approval of the China Banking Regulatory Commission, the Postal Savings Bank of China Co., Ltd. was renamed Postal Savings Bank of China Co., Ltd. in accordance with the law.

The young Postal Savings Bank has a history of nearly a hundred years. In 1919, the Postal Savings Bureau, the predecessor of the Postal Savings Bank of China, was established to start the postal savings business.

In 1942, the Savings and Exchange Bureau became an important part of the six major financial pillars at that time: "Four Banks and Two Bureaus". In the early days of the founding of the People's Republic of China, the postal savings business was discontinued in 1953, and the postal service continued to handle remittance business. In 1986, postal savings were officially resumed.

With the care and support of governments at all levels, financial regulatory authorities and all sectors of society, the Postal Savings Bank of China adheres to the concept of inclusive finance and consciously assumes the responsibility of "reaching urban and rural areas and benefiting the people" With social responsibility, we have embarked on a characteristic development path that serves "agriculture, rural areas and farmers", small and medium-sized enterprises, and the community.

The Postal Savings Bank of China has become the commercial bank with the largest branch network, the widest coverage, and the largest number of customers served in the country. As of the end of June 2015, Postal Savings Bank has more than 40,000 business outlets, and has built an electronic financial service network including online banking, mobile banking, telephone banking, TV banking, micro banking, WeChat banking and Yixin Bank, serving Its tentacles cover vast urban and rural areas, serving nearly 490 million customers.

How to activate postal credit card

1. Telephone activation

Phone activation of Postal Savings Bank credit card is divided into two types: self-service voice activation and customer service manual assistance activation. You can Choose to call the 24-hour credit card customer service hotline 4008895580-select 2-card activation, and activate the credit card through self-service voice according to the voice prompts. You can also enter the phone voice menu and select "5" other services, and then select "0" manual service. In the customer service Activate your credit card with assistance. Don’t forget to set the transaction password and query password after activating the card.

2. Online banking activation

Postal Savings Bank online banking activation can only activate the main credit card, but not the supplementary card. The main cardholder needs to log in to the Postal Savings Bank personal online banking. To activate a credit card, after logging in, find the credit card page, select the credit card activation option, enter your credit card, valid ID, and obtained mobile phone verification code, then follow the prompts to activate, and set the transaction password and query password.

Operating environment:

Brand model: iPhone13

System version: iOS15.3

App version: v3.1.4

3. Branch activation

After getting the Postal Savings Bank credit card, the cardholder can bring his ID card and credit card to a nearby branch to activate the card.

The Postal Savings Bank credit card is a UnionPay standard RMB credit card. It has rich functions such as overdraft consumption, overdraft cash withdrawal, installment payment, and points earning; it provides a 24-hour customer service hotline, free bill delivery, Self-deduction repayment related services and other services. In addition, there are powerful functions such as free transaction fees for repayment in other places, free text message reminders for large transactions, and interest-free period discounts for consumption.

The minimum amount available for application is RMB 3,000, of which RMB 1,500 can be used for cash withdrawal.

Function:

The newly issued Postal Savings Bank credit card uses "ding" as the design pattern, which not only shows the postal's historical and cultural heritage, strong strength, sincerity and trustworthiness, and the connotation of keeping promises, but also It reflects the Postal Savings Bank’s service commitment of “working hard for you”. The blue-green card background symbolizes peace, life and hope, injecting a relaxed, cheerful, convenient and fashionable card use concept into life. The biggest feature of the Postal Savings Bank Credit Card is that there is no annual fee for life. After applying for a Postal Savings Bank Credit Card, customers will no longer have to worry about complicated annual fee reduction rules. Moreover, this credit card has many repayment methods: cardholders can repay through various Postal Savings Bank outlets, automatic transfers, self-service deposit machines, ATM machine transfers, etc.

Application conditions:

Starting from April 2009, if you are over 18 years old, meet the Postal Savings Bank credit card application conditions and provide complete supporting materials, you can apply for a credit card at the Postal Savings Bank of China. Apply at all outlets of Quanzhou Branch.

This concludes the introduction to Postal Savings EMS Credit Card and Postal Credit Card EMS. Have you found the information you need?