How to repay the postal credit card?
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
Application version: v7.0.6
(1) repayment by mobile banking: directly log in to the mobile banking page of Postal Savings Bank, find the credit card, click Enter, select the credit card bill, click "Repay Now", and enter the repayment amount and password to repay. Just use a debit card or mobile banking or online banking of the Postal Savings Bank to repay the loan.
(2)ATM repayment: go through the credit card repayment formalities at the ATM self-service teller machine, and then deposit the cash into the credit card to complete the repayment.
(3) Automatic repayment: directly open the debit card account of the Postal Savings Bank, and bind the automatic repayment function. On the repayment date, as long as there is enough balance in the account, the system will automatically repay.
(4) Third-party payment: Credit card payment can be made directly through China UnionPay Express, Alipay or WeChat third-party payment platforms, and personal credit card accounts need to be bound.
Postal savings credit card is a RMB credit card, which is a UnionPay standard card. It has all the functions and services of UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years and can be equipped with four supplementary cards. The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding", the background color of Puka is blue-green, and the background color of Gold Card is golden yellow.
According to statistics, by 20 10 to 10, China Postal Savings Bank had completely covered all cities, 2 100 counties, cities and major towns, and about 4,500 outlets across the country had started this business. In just a few years, China Postal Savings Bank has developed very rapidly. From its opening to 20 10 and 10, China Postal Savings Bank issued nearly 4 million loans nationwide, amounting to more than 230 billion yuan, with an average loan of about 59,000 yuan. China Postal Savings Bank issued150 billion yuan in rural areas at or below the county level.
Meaning of the card: The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding" with a blue-green background. "Ding"-Since ancient times, "Ding" has been regarded as a heavy weapon to spread the country and a symbol of the country and power. The word "Ding" in Chinese characters has also been endowed with extended meanings such as "distinguished", "distinguished" and "grand". The design of the card takes Ding as the main element, which embodies the connotation of sincerity and trustworthiness and the service commitment of China Postal Savings Bank to "stand for you". Puka blue-green background color-incorporating green, healthy, convenient and fashionable life concept. Gold card on gold-24 K gold courtesy, showing distinguished life. Special shiny material-international advanced technology, showing the fashion and noble quality of cardholders.
What are the credit card repayment methods of Postal Savings Bank? Repayment is easy. Look at these tricks.
Although the Postal Savings Bank is the fifth largest bank in China, many people are not very familiar with it, so they are not very familiar with the credit card-related business of the Postal Savings Bank. Some friends who apply for the credit card of the Postal Savings Bank for the first time always encounter some problems when using it, so some people ask some related questions, such as what are the credit card repayment methods of the Postal Savings Bank?
First, automatic repayment
Automatic repayment can be said to be the most convenient and fast repayment method for credit cards. As long as you have a debit card of the Postal Savings Bank, you can go to the bank or associate the credit card you want to repay with the debit card through customer service phone, and then you can repay it automatically. You just need to ensure that the funds in the debit card are sufficient.
Second, the third-party payment platform repayment
This repayment method is also very convenient, because now basically everyone has Alipay software in their mobile phones. Just log in to Alipay and enter Alipay's "Application Center" for credit card repayment, and no handling fee is required.
Third, WeChat repayments.
With the continuous development of WeChat, all banks have their own official WeChat account, which can not only read related consultation, but also conduct related business. You only need to pay attention to the official WeChat account of the Postal Savings Bank, and then bind the credit card to be repaid, so you can repay in the official WeChat account.
The above three credit card repayment methods of Postal Savings Bank are very convenient and quick, and are often used. Of course, in addition, you can also repay through online banking, mobile banking, or go to a bank outlet.
How to repay the postal savings credit card
The credit card repayment method of Postal Savings Bank is as follows:
1. Automatic repayment. You can associate a debit card, and the bank will automatically deduct the money on the repayment date;
2. Mobile banking repayment. You can use Huawei p9 Android mobile phone to make credit card repayment in the mobile banking software of Postal Savings Bank version 7.0.5;
3. Online banking repayment. Log in to the online banking of the Postal Savings Bank and you can repay the credit card.
According to Article 14 of the China Bank Card Industry Self-discipline Convention, the Postal Savings Bank provides the credit card holders of the Postal Savings Bank with a four-day grace period for repayment, and repayment before 17:00 on the evening of the fourth day after repayment is deemed as timely repayment. Repayments beyond the grace period will be reported to the central bank for credit information.
However, although the Postal Savings Bank will also provide tolerance repayment service for the credit card holders of the Postal Savings Bank, in order to ensure that the repayment amount is recorded before 17:00 on the fourth night, it is suggested that the credit card holders of the Postal Savings Bank adopt the repayment methods provided by the bank, such as online bank transfer repayment, mobile bank transfer repayment, cash repayment at the counter of bank outlets, etc.
According to Article 14 of China Bank Card Industry Self-discipline Convention: "Member units shall provide cardholders with time-accommodating services and provide them with repayment grace period services for a certain period of time, and the repayment grace period shall be at least 3 days from the due repayment date. If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time. "
Therefore, at present, credit cards usually have three days or more service. If our credit card doesn't have a three-day repayment grace period, we can report the situation to the bank.
China Postal Savings Bank is a commercial bank established on the basis of inheriting the former State Post Bureau and China Post Group Corporation. Today, with the high popularity of credit cards, China Postal Savings Bank also launched its own credit card products. Many friends who didn't apply for credit cards asked me: Is it easy to apply for China Postal Savings Credit Card? Today, Bian Xiao will talk to you about the requirements for applying for China Postal Savings Credit Card.
1. To apply for a postal savings credit card, in addition to the ID card and work permit, you need other financial or property certificates, such as proof of salary income and real estate license. Relevant materials are as follows:
1. Copy of ID card
Applicants for primary and secondary cards must provide. Identity documents refer to one of resident identity cards, military officers' cards, Hong Kong and Macao residents' passes to and from the mainland, Taiwan Province compatriots' passes to and from the mainland and foreign passports.
2. Work certification documents
Refers to the copy of work permit, the original work certificate issued by the work unit, the copy of professional qualification certificate and one of the copies of professional titles.
3. Copy of permanent residence certificate
Such as house ownership certificate, public house lease agreement or public house purchase agreement. Applicants who work in a company (enterprise) generally need to provide proof documents of their real estate (copies of their real estate license, public housing lease agreement or public housing purchase agreement, housing loan contract and other materials).
After consulting the postal customer service, the postal service generally only accepts the real estate license, the purchase contract agreement and the proof of public rental housing as the proof of fixed residence, while the private rental contract and the bills of utilities such as utilities, gas and fixed telephone bills are only recognized by the postal service in some areas.
Civil servants and employees of public institutions do not need proof of fixed residence, while employees of companies generally need proof of fixed residence, but copies of qualifications such as master's degree or above/teachers/doctors/certified public accountants/certified tax agents/corporate legal advisers can avoid this trouble.
4. Professional qualification certificates, such as teacher qualification certificate, lawyer qualification certificate, doctor qualification certificate, licensed pharmacist registration certificate, enterprise legal consultant qualification certificate, auctioneer qualification certificate, certified public accountant certificate, copy of Chinese registered auditor certificate, etc.
5. Copy of postal housing loan contract and auto loan contract. This can also replace the permanent residence certificate.
6. A copy of the national public official's work permit or a copy of the personal wealth management customer's wealth management card.
(7) If you provide a copy of the postal "wealth management fund" account or a copy of the graduation certificate and degree certificate with a master's degree or above, the card processing process will be accelerated.
How to pay back the money by postal credit card
The credit card repayment methods of Postal Savings Bank are mainly as follows: branch repayment, online banking repayment, automatic related repayment and inter-bank repayment: repayment from other banks, self-service, third-party repayment and telephone banking repayment.
The final repayment date of the credit card of the Postal Savings Bank is 20 days after the bill date, and the Postal Savings Bank provides customers with timely repayment service. The grace period for the final repayment is 4 days 17:00 after the final repayment date; I hope our customers will remember to repay on time, and overdue repayment will bring serious consequences.
If the cardholder fails to repay at the end of the last repayment date or the repayment amount is lower than the minimum repayment amount, the Postal Savings Bank will charge a certain late payment fee. The charging standard is 5% of the unpaid minimum amount, with a minimum of 65,438 yuan +00 yuan.
The calculation formula is: late payment fee = (minimum repayment amount _ repaid amount on due repayment date) 5%.
1. China Postal Savings Bank Credit Card
China Postal Savings Bank credit card is a RMB credit card, which is a UnionPay standard card. Have all the functions and services of UnionPay standard credit card. It can be used freely at home and abroad. The card is valid for three years and can be equipped with four supplementary cards. The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding", the background color of Puka is blue-green, and the background color of Gold Card is golden yellow.
According to statistics, by 20 10 to 10, the business of China Postal Savings Bank has completely covered all cities and 2 100 counties and cities and major towns in China, and about 4,500 outlets across the country have started this business. In just a few years, China Postal Savings Bank has developed very rapidly. From its opening to 20 10 and 10, China Postal Savings Bank issued nearly 4 million loans nationwide, amounting to more than 230 billion yuan, with an average loan of about 59,000 yuan. China Postal Savings Bank issued more than 654.38+05 billion yuan in rural areas at or below the county level.
Second, the meaning of the card
The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding" with a blue-green background.
"Ding"-Since ancient times, "Ding" has been regarded as an important instrument to spread the country and a symbol of the country and power. The word "Ding" in Chinese characters has also been endowed with extended meanings such as "distinguished", "distinguished" and "grand". This card takes "Ding" as the main design element, which embodies the connotation of sincerity and trustworthiness, and the service commitment of China Postal Savings Bank to "stand for you".
Puka blue-green background color-incorporating green, healthy, convenient and fashionable life concept.
Gold card on gold-24 K gold courtesy, showing distinguished life.
Special shiny material-international advanced technology, showing the fashion and noble quality of cardholders.
Operating environment: Postal Savings Bank version: v7.0.4 mobile phone version Huawei mate30 HarmonyOS system OS system.
How to repay the postal credit card?
ATM repayment: check the credit card with ATM self-service teller machine, and then deposit the cash into the credit card to complete the credit card repayment.
Automatic repayment: directly open the debit card account of Postal Savings Bank, and bind to open automatic repayment. On the repayment date, as long as there is enough balance in the account, the system will automatically repay.
Third-party repayment: Credit card repayment can be made directly through the third-party payment platform of China UnionPay, Kuaijie, Alipay or WeChat, and personal credit card account needs to be bound.
Postal savings credit card is a RMB credit card, which is a UnionPay standard card. It has all the functions and services of UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years and can be equipped with four supplementary cards. The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding", the background color of Puka is blue-green, and the background color of Gold Card is golden yellow.
According to statistics, by 20 10 to 10, China Postal Savings Bank had completely covered all cities, 2 100 counties, cities and major towns, and about 4,500 outlets across the country had started this business. In just a few years, China Postal Savings Bank has developed very rapidly. From its opening to 20 10 and 10, China Postal Savings Bank issued nearly 4 million loans nationwide, amounting to more than 230 billion yuan, with an average loan of about 59,000 yuan. China Postal Savings Bank issued150 billion yuan in rural areas at or below the county level.
The main pattern of China Postal Savings Bank credit card is Chinese character Ding, and the background color is blue-green.
"Ding"-Since ancient times, "Ding" has been regarded as a heavy weapon to spread the country and a symbol of the country and power. The word "Ding" in Chinese characters has also been endowed with extended meanings such as "distinguished", "distinguished" and "grand". The design of the card takes Ding as the main element, which embodies the connotation of sincerity and trustworthiness and the service commitment of China Postal Savings Bank to "stand for you".
Puka blue-green background color-incorporating green, healthy, convenient and fashionable life concept.
Gold card on gold-24 K gold courtesy, showing distinguished life.
Special shiny material-international advanced technology, showing the fashion and noble quality of cardholders.
How to repay the credit card of Postal Savings Bank?
Postal savings credit card Alipay repayment, the specific steps are as follows:
Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
Application version: v 10.2.53
First, credit card users need to open Alipay APP on their mobile phones.
Second, after opening the APP, log in to your personal Alipay account. Then click "More" on the APP interface.
Third, click on the APP "More" and find the "Credit Card Repayment" function among many functions. Click enter when you find it.
4. After entering the "Credit Card Repayment" function of Alipay, click the "Repayment" button on the interface.
5. After clicking the "Repay" button, the user only needs to bind and input his credit card information to repay.
Because Alipay credit card repayment also supports postal savings credit card repayment. Therefore, postal savings credit card users can also repay through Alipay.
China PostalSavingsBankofChina is a large retail commercial bank in China, which was established on March 6, 2007 and headquartered in Xicheng District. Formerly known as Postal Savings Bureau; In 20 16, the Postal Savings Bank was successfully listed on the main board of the Hong Kong Stock Exchange. Mainly engaged in banking and financial services.
On the evening of October 28th, 2002110, the Postal Savings Bank disclosed the third quarterly report, and the company's operating income in the third quarter was 80.705 billion yuan, up15.43% year-on-year; The net profit was 23.497 billion yuan, a year-on-year increase of 22.47%. The net profit in the first three quarters was 64.507 billion yuan, a year-on-year increase of 22.07%.
According to the overall arrangement of financial system reform in the State Council, China Postal Savings Bank Co., Ltd. was formally established in March 2007 on the basis of reforming the original postal savings management system. 201265438+1October 2 1 With the consent of the State Council and the approval of the China Banking Regulatory Commission, Postal Savings Bank of China Limited was changed into Postal Savings Bank of China Limited as a whole according to law.
With the care and support of governments at all levels, financial supervision departments and all walks of life, China Postal Savings Bank adheres to the inclusive finance concept, consciously assumes the social responsibility of "popularizing urban and rural areas and benefiting the people", and has embarked on a characteristic development road of serving agriculture, rural areas, small and medium-sized enterprises and communities.
How to return the credit card of Postal Savings Bank? Let's stop here.