Is it easy to withdraw money from postal credit cards?

How long can postal credit cards be extended?

There are two ways to use the credit card of Postal Savings Bank, one is to increase the fixed quota, and the other is to apply for a temporary quota.

If you want to increase the fixed credit limit of the Postal Savings Bank, you need the cardholder to use the card for more than 6 months. To apply for cash withdrawal by credit card, you need to call the banking service hotline to apply. The bank will complete the review and reply within 2-3 working days. If you don't spend any money within three months after using the card, it is generally unlikely to increase your limit. The reference material for bank audit is your bill for the first three months, so it is suggested that if you want to raise the limit, you should spend more and repay on time. ).

China Postal Savings Bank can apply for a temporary credit line after using the credit card for 3 months. Temporary credit line is a temporary credit card line, generally valid for 1-3 months. When the fixed credit line is insufficient, the bank will increase the temporary credit line according to the comprehensive score, which is generally 50% of the fixed credit line.

Credit card withdrawal skills of postal bank

1, the number of swipes wins, regardless of the amount, as long as you can swipe your card, you will definitely swipe your card. You really need to swipe your card more, because the multi-swipe system will think that credit cards are a necessity in your life and you have money to collect them.

2, the amount of credit card wins, it is best to generate bills at least 30% of the total amount every month. That was not the case. With more credit cards, banks will indeed make more money. However, if your spending and income don't match, the bank will think you are very risky. (For example, your monthly income is 3,500 yuan, and your monthly credit card consumption is above 10000 yuan).

3. Frequent use of temporary quotas. Due to the short-term need to increase the number of places such as holidays, travel and business trips. , you can apply for a temporary quota, which will be easier to approve. This is usually easy to maintain, because everyone has temporary consumption. But the increased credit line is temporary. This has little to do with raising the permanent quota.

4. Continue to apply for withdrawal. For different customer service applications, continuous telephone withdrawal applications are sometimes handled differently. Different customer service does have different treatment methods, but the results of system evaluation will be the same.

5. Seize the favorable opportunity to increase the number of places. It is most effective to apply on the accounting day or when the card has just been maxed out. Generally, when the card is about to be maxed out, the system will prompt you to automatically increase the temporary limit. The effect is not particularly great.

6. Don't interrupt the record of credit card consumption. The bill for credit card consumption needs to last for three months in a row, and it can't be broken in the middle, that is, there must be consumption every month. This does have a great effect on cash withdrawal at the beginning of the card.

How to increase the postal credit card limit

There are several ways to increase the credit card limit: 1. Use more credit cards to win by swiping them. 2. Spend more on credit cards, preferably in diversified merchants, and ensure the amount of credit card spending every month. 3. It is best to generate a consumption record that accounts for at least 30% of the total credit card every month. If it lasts for more than half a year, the banking system can easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.

The reason why the credit card of Postal Savings Bank can only be handled at outlets;

Because the bank outlets are only responsible for guiding the filling of forms and receiving supporting materials, the final approval is completed by the credit card center. Therefore, it takes about a week for outlets to submit application materials to local branches, and then the branches will mail them to the credit card center of the head office. The credit card center will complete the data review and information check within five working days, decide whether to approve the card and the amount of approval, then make the card within two days, and finally it will take about one week to mail the card to the applicant's reserved address. This series of processes will take about twenty working days. Of course, this is the average. If the application card is close to the credit card center, it may take more than ten working days.

1. Basic conditions for credit card applicants

Principal card applicant: Chinese mainland residents aged 18 and under 60 years old.

Supplementary card applicant: 16 years old. Chinese mainland residents under the age of 60.

2. Information needed to apply for a credit card

Materials required to apply for the master card: a copy of the applicant's ID card and work certificate are required. Optional materials: proof of financial resources and proof of concern about transactions with our bank.

Supplementary card application: A copy of the ID card of the supplementary card applicant is required. The relationship between the supplementary card applicant and the main card must be immediate family members.

The credit card of Postal Savings Bank has set up a 24-hour customer service hotline 4008895580 at 39,000 bank outlets nationwide, with dedicated service. Services include:

1, marketing activity preview, the freshest preferential promotion information is clear at a glance, under control;

2. When calling the customer service hotline to inform you that important information such as mobile phone number and address has changed, personal information will be updated in time to protect the rights and interests of users.

3. Main services: activation card; Set or reset the inquiry password or transaction password; Inquiry: Unbilled bills, 12 inquired bills, available credit line, available cash withdrawal line, etc. Fax unsigned bills and issued bills, and reissue issued bills; Apply for loss reporting, card replacement and account cancellation; Apply for or cancel SMS service, and adjust the initial amount of monthly SMS notification; Application for installment payment business; Quota adjustment application.

Is it easy to increase the automatic deduction of postal credit cards?

It is not easy to raise the amount.

Generally speaking, card friends apply for a reduction, which can be said to be everything, even without evaluation. But at this time, if you apply for a raise, it will not be so easy to recover.

Because the bank should conduct a comprehensive evaluation to see how the cardholder's credit is and how the card is used, and then decide whether to withdraw the cash. Even if the amount can be increased, it is likely to be lower than the original. Therefore, card friends must take the initiative to apply for reducing the amount to avoid the trouble caused by not mentioning the amount in the future. However, as long as you maintain a good credit, repay on time, and do not handle credit business frequently, you can generally apply for withdrawal.

Is there any way to ensure the success of China Post's credit card withdrawal?

Credit card withdrawal skills of China Post: \ 1. Ensure a good habit of using the card: it is best to apply for using the card for more than 6 months. Generally, the application for cash withdrawal that has just been opened will be directly rejected; \ 2. Brush more water: You can swipe your card for multiple times or once, and try to spend in various physical merchants, while paying attention to decentralized consumption. The more you brush, the higher the success rate of cash withdrawal; \ 3. Deposit term: deposit a 5-year fixed deposit in a peer savings card. The larger the amount, the longer the fixed deposit time, the better; 4. Be sure to pay the full amount in installments: although installment is interest-free, you need to pay a certain handling fee to the bank. After this gives the bank some benefits, the withdrawal amount is naturally not a problem; \ 5. Acquaintance recommendation: If you don't have any relatives or friends who work in the bank, you can ask the loan officer and salesman for help when you apply for the card. Internal recommendation can directly double the success rate of withdrawal; \ VI。 Positive consumption abroad: Small partners with consumption abroad conditions can try consumption abroad more, so that banks can earn a little money exchange fee. Cardholders who can often consumption abroad have better economic strength and are more likely to apply for cash withdrawal; Ⅳ. Cancel the temporary quota first, and then cancel the fixed quota: before holidays, after canceling the temporary quota, apply for increasing the fixed quota when the temporary quota is about to expire, and the bank will cancel the fixed quota according to the revoked temporary quota, which will be much smoother; 8. Buy wealth management products: Bank wealth management products start at 565,438+10,000 yuan. If you have spare money to buy wealth management products, the funds will definitely be fine, and of course the amount will be fine; 9. Incremental consumption: For example, if you spend 20% of the quota this month and fail to apply for withdrawal, you will try to spend 30% next month and then apply again, and so on. Generally, if you spend about 50% for two consecutive months, the success rate of withdrawal will be greatly improved; The last and most important thing is to apply persistently.

How to operate the cash withdrawal limit of postal credit card?

There are two ways to operate the postal credit card withdrawal limit:

I. Adjustment of permanent quotas

When a credit card holder needs to increase the credit limit, he can call the credit card customer service hotline, and the Postal Savings Bank will handle the demand for permanent adjustment in time according to the cardholder's credit card status and credit status.

Second, the temporary quota adjustment

If the credit card holder has a large consumption demand in a short time, he can call the Postal Savings Credit Card Customer Service Hotline 4008895580 to increase the temporary quota. If you meet the requirements of temporary bank limit adjustment, you can realize temporary limit adjustment within 24 hours. The temporary credit line is valid for 30 days, and the credit line will be automatically restored to the original credit line after expiration.

The line refers to the amount that the lender can borrow from the borrower without providing property guarantee. It usually means that a natural person borrows money from a bank, and the bank is willing to provide the highest amount of loans according to the credit status of the individual. This amount will be determined unilaterally by the bank because of income, income, debt ratio, work content, company, company position, property and so on. This kind of lending relationship is usually that banks lend money to natural persons. On the other hand, it is usually necessary for commercial organizations and transnational exchanges to lend money to organizations.

Withdrawal skills of postal credit cards;

First, postal staging has a better effect on raising the amount. Generally, more than 2000 yuan can be divided into six months. But personally, I think it's better to divide it twice. By the way, it's bill installment, not cash installment. Cash installment can only be done by inviting customers. It is best to pay in installments one month before the withdrawal date.

Second, the fixed time is once every six months. You can call customer service to adjust the amount independently. You can't withdraw cash after the installment. You can call to withdraw cash at that time.

Third, after the temporary maturity, the bills will continue to be issued after the first period. Don't waste fixed time if you need it urgently.

4. Don't use temporary, it will delay the withdrawal of fixed amount. The shortest is one month after the temporary completion, and the longest is three months before the fixed amount can be adjusted.

Fifth, the postal service pays more attention to provident fund users, and the amount of cards purchased with provident fund is quite high.

VI. D The purchase of imported parts requires provident fund, and it is required that the individual's monthly provident fund plus unit amount should be more than 2,000. Go to the outlet to apply.

Seven, the postal quota can not be leveled, so if the curve is over, just brush the card with successful curve, and it is meaningless to brush it alone.

Eight, the gold card limit of one hundred thousand. Of course there are exceptions. When you have assets, the back door will be opened for you, otherwise it will be 100 thousand.

Postal credit card withdrawal skills

Many people have credit cards, but most of them are the credit cards of the four major state-owned banks or other commercial banks with high credibility. As we all know, China Post has also issued its own unique credit card, so what are the ways to increase the credit card limit?

0 1

Keep spending with credit cards. Postal credit cards pay special attention to this requirement. Generally speaking, the postal service will inquire about our credit card usage in the last three months. If it is regular, then the possibility of raising the amount is great, which is very different from other banks.

02

The second is to maintain the credit card limit. What I emphasized above is mainly the number of swipes, and then the amount of swipes is equally important. Large consumption is far more conducive to the increase of the quota than sporadic shopping consumption every day;

03

Then we should pay attention to the timing of promotion. Postal credit card stipulates that after the credit card is used normally for half a year, you can apply for withdrawal by phone or email, so it is very possible to withdraw cash at this node;

04

Finally, just use some tricks. For example, increase the temporary quota several times in advance to make the bank think that our quota does not meet our requirements, and then apply for increasing the permanent quota;

Is it true that postal credit cards are easy to withdraw money? It's over. I wonder if you found the information you need from it.