Postal savings bank will stop some functions of mobile banking. What functions will be stopped?

The Postal Savings Bank will stop some functions of mobile banking, as follows:

I. Credit card balance inquiry function

Credit card balance inquiry is actually to inquire whether the credit card is in arrears, and if there is arrears, the actual amount that should be paid back. After all, credit cards are different from savings cards. The former belongs to overdraft consumption, and generally no fixed funds are deposited in credit cards. As a consumption pattern of spending first and then paying back, everyone is used to overdraft consumption in life, but it is easy to overspend, so it is of course helpful for consumers to check the credit card balance frequently, at least to avoid overspending in time. Although the savings bank has disabled this function, the impact is actually not great. Many people's credit cards will be directly bound to their mobile phone numbers, and there will be real-time reminders every time they shop. Even if this function is cancelled, users need not worry too much.

Second, the credit card limit query function

The credit card limit inquiry function is actually to inquire how much money can be overdrawn. This function will be used more frequently than balance inquiry, but many users actually don't have the habit of checking the limit frequently. For users with strong spending power, in order to increase the credit record growth limit, large credit cards will be given priority. When the limit reaches the limit, the credit card will not be used normally. In this case, users will generally choose to use other credit cards or other payment methods directly, but for users with weak spending power, they will naturally not blindly overdraw, so this function is actually not used frequently.

Although the Postal Savings Bank stopped the above two functions of mobile banking, it generally had little impact on users. However, the Postal Savings Bank also takes into account the users who need to inquire about credit cards, so when stopping these functions, it also informs users that if they want to meet the functions of inquiring about credit card balance and credit limit, they can make inquiries by calling customer service and other channels, or they can provide corresponding services.