Traditional Culture Encyclopedia - Hotel franchise - What's the difference between postal savings credit card, gold card and ordinary card?

What's the difference between postal savings credit card, gold card and ordinary card?

What's the difference between a postal gold card and an ordinary card?

The difference between gold card and ordinary card of credit card of Postal Savings Bank;

1, different colors:

Puka is mainly dark green, and gold card is mainly gold.

2. Different credit lines:

The credit line varies greatly. The credit limit of a credit card is usually 3000 to 50000 yuan, and that of a gold card is usually 50000 yuan to 100000 yuan. Jinka is much taller than Puka.

3. Different annual fees:

Because the amount of gold card is higher, the annual fee of credit card gold card is much higher than that of ordinary card. Take the standard credit card of the Postal Savings Office as an example. The annual fee for the gold card is RMB, and the ordinary card is exempt from the annual fee.

4. Different offers:

Because the credit card gold card is higher than the ordinary card, there are usually some discounts that the ordinary card does not have. Gold card symbolizes honor and dignity, and shows identity. Gold card holders can enjoy more credit card benefits and conveniences. Gold cards have more rights and interests on many occasions and credit cards at home and abroad.

5. The application requirements for gold cards are higher than those for ordinary cards (including financial status such as job stability and income, etc.). ).

What are the benefits of postal savings card Gold Card?

The gold card of Postal Savings Bank can be divided into debit card gold card and credit card gold card. The debit card gold card enjoys the rights and interests of charging a lot of management fees for all accounts under its name, VIP numbers for direct business, and free SMS notification service.

Postal savings credit card gold card has the rights and interests of air ticket hotel reservation, supplementary card quota adjustment and 48-hour card loss protection.

The conditions for handling the gold card of the Postal Savings Bank include:

1. The applicant should be between 18 and 65 years old and have full capacity for civil conduct;

2. Have a stable job and income source. And have a fixed residence in the local area;

3. For three consecutive months, the daily average personal legal assets are between 654.38+10,000 yuan and 500,000 yuan;

4. Personal credit is good, and there is no bad credit record on the credit report.

Extended data:

China Postal Savings Bank can be traced back to the postal savings business started in 19 19, and it has a history of one hundred years.

In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company.

Postal savings in China can be traced back to the postal savings business started in 19 19, which has a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company.

From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading battle-listing in A and H" was successfully completed.

The bank has nearly 40,000 outlets, serving more than 600 million individual customers, giving full play to the unique mode advantage of "self-support+agency" to serve "agriculture, rural areas and farmers", urban and rural residents and small and medium-sized enterprises.

With excellent asset quality and remarkable growth potential, the Bank is a leading large retail bank in China.

The Bank insists on serving the real economy, actively implements the national strategy, supports the construction of China's modern economic system, and realizes its own sustainable development.

Adhere to customer-centric, build an online and offline integrated financial service system, and provide our customers with high-quality, convenient and efficient integrated financial services.

Adhere to the risk orientation, constantly improve the "all-round, all-round, all-staff" comprehensive risk management system construction, and maintain the excellent level of asset quality. Adhere to the mission of "inclusive urban and rural areas, so that financial services have no distance" and provide inclusive finance services;

Follow the trend of residents' wealth growth and consumption upgrading, and develop wealth finance; Support the transformation and upgrading of industrial structure and develop industrial finance; Implement the major deployment of peak carbon dioxide emissions and carbon neutrality, and develop green finance. Empower high-quality development with financial technology and build a digital eco-bank that serves rural revitalization and new urbanization.

After 14 years' efforts, our market position and influence are increasingly prominent.

Fitch and Moody's respectively gave the bank A+ and A 1 ratings consistent with China. Standard & Poor's Global gave it an A rating, Standard & Poor's credit rating gave it an AAAspc rating, and China Chengxin International gave it an AAA rating. The prospect is stable.

In 20021year, the Bank's Tier 1 capital ranked 15 in the "Top Global Banks 1000" published by The Banker.

What are the requirements for a postal gold card?

1. Age: The applicant must be between 18 and 65 years old, including 18 and 65 years old, and be a legal citizen of China with full civil capacity;

2. Occupation: The applicant should have a stable job, a relatively stable income and a fixed residence in the local area;

3. Income: the average daily assets of the applicant for three consecutive months should be between10-500,000, and these incomes are legal income;

4. Credit: The applicant's credit record is good and not overdue.

Postal savings credit card gold card not only has services such as revolving credit, installment consumption, cash advance and password selection. It also has many special services such as air ticket hotel reservation, supplementary card quota adjustment, 48-hour card loss guarantee, free transaction reminder, high cash advance, double birthday points, wonderful gift exchange and so on. It is a credit card that truly meets international standards, allowing cardholders to enjoy the convenience and benefits of "spending first and then repaying" at home and abroad at any time.

Specific function

1, real-time transaction reminder-as long as there is a transaction in your account, you can receive a transaction SMS reminder from the Postal Savings Bank for free.

2.50% withdrawal ratio-Gold card holders can enjoy a maximum withdrawal ratio of 50%.

3. Exclusive gift exchange-Postal Savings Bank provides exclusive gold card gift exchange for gold card holders. Gifts are high-grade, diverse, exquisite and practical.

4. Birthday double points-1 yuan 1 points, permanently valid, birthday double points.

5. Enjoy VIP service-Gold card holders of Postal Savings Credit Card can enjoy priority queuing service when handling business at the customer service hotline of Postal Savings Bank.

6. Emergency quota adjustment-When the customer has an emergency quota demand and meets the conditions for temporary quota adjustment of the Postal Savings Bank, the temporary quota adjustment can be realized within 24 hours.

7. Credit limit control of the secondary card-the secondary card can freely set the credit limit, which can be shared with the main card or set according to a certain proportion or amount of the credit limit of the main card.

expense

5% of the overrun fee, the lowest 5 yuan, the highest 200 yuan;

5% of the unpaid part of the minimum overdue fine, with a minimum of 10 yuan;

1% of the transaction amount of peer withdrawal fee, with the lowest 10 yuan;

1% of the transaction amount, inter-bank cash withdrawal fee, minimum 10 yuan, plus 2 yuan fee;

Peer overpayment is charged a handling fee of 0.5% of the transaction amount, with a minimum of 10 yuan;

Inter-bank overpayment of a handling fee of 0.5% of the transaction amount, with a minimum of 10 yuan, plus 2 yuan handling fee;

20 yuan/card replacement due to damage or degaussing;

Courier fee (optional) 20 yuan/time;

Declare that the replacement fee is free within 3 months, and 5 yuan/copy for more than 3 months;

Loss reporting card 40 yuan/card;

Fee for resetting password letter 10 yuan/card;

Look at the copy of the domestic purchase order 10 yuan/copy, and the original 50 yuan/copy;

See the copy of foreign purchase order 10 yuan/copy, and the original 50 yuan/copy.

How about the gold card of China Postal Savings Bank?

The conditions for applying for a gold card in China Postal Savings Bank are as follows:

1. The specific criteria is that a single individual customer (confirmed by his/her personal ID number) can apply to become a green card VIP gold card customer of the Postal Savings Bank if his/her financial assets in the latest quarter have been converted at least RMB 50,000 per day.

2. The qualification of the gold card should be dynamically adjusted. If the cardholder's rating in a quarter fails to meet the above standards, he will no longer enjoy preferential business tariffs in the next quarter.

Customers who meet the above conditions can apply for a gold card at the counter of the local Postal Savings Bank with their valid identity documents.

There are two kinds of gold cards for postal savings: one is a credit card gold card, and the other is a big customer gold card.

Credit gold cards have advantages in points and quotas; When handling business, you can enjoy the right to handle it first, enjoy the special room for customers, and you don't need to make an appointment in advance to go to a large amount.