How much does the postal platinum card cost, and what is the amount of the postal platinum card

There is no fee for applying for a credit card. If you meet the conditions, you can apply directly to the bank.

Credit Card Application Requirements:

1. Be at least 18 years old;

2. Hold a valid ID card;

3. No bad credit record;

4. Have a certificate of fixed work;

5. Proof of income stamped with the financial seal of the unit;

6. Other proof of financial resources, such as bank deposits, real estate, automobiles, **, debts, etc.;

7. Certificate of social endowment insurance;

8. Provide two contact persons.

The first 3 conditions must be met, as far as possible to provide 4-8 supporting materials, which can contain the following information, optionally as much as possible, to ensure that the review is successfully passed and the amount of information is increased.

Materials and documents to be provided at the time of application:

1. For domestic residents, only need to provide: a completed and signed application form, identity document, residence certificate, income certificate;

2. Foreigners and Hong Kong, Macao and Taiwan residents also need to provide: Residence Permit for Foreigners (the reason for residence must be employment) or Employment Permit for Foreigners from Hong Kong, Macao and Taiwan;

3. If you are a private owner, in addition to the above information, you also need to provide: a copy of the industrial and commercial business license showing the applicant's name, business name and start date.

If you want to apply for a credit card with a relatively large amount, you need to provide proof of good economic strength, such as: a copy of the real estate certificate, a copy of the car driving license; Bank loan account (good credit, overdue for no more than 60 days) or a copy of the deposit certificate, etc.

At present, the Postal Savings Bank only issues gold cards, and has not yet issued platinum cards and diamond cards.

To apply for a gold card, you need to have an average quarterly balance of 100,000 yuan (in the past, it was only 50,000 yuan), which means that you need to save 100,000 yuan for a whole quarter.

1. Gold card standard: The sum of the average daily personal financial assets and a certain proportion of personal loan balance for 3 consecutive months is between 100,000 yuan (including 100,000 yuan) and 500,000 yuan or equivalent foreign currency. If the customer has opened an account for less than 3 months, the average daily financial assets and loans for 3 months will still be calculated based on the natural number of days rolled forward by the rating month for 3 months (including the current month).

2. Platinum standard: The sum of the average daily personal financial assets and a certain proportion of personal loan balance for 3 consecutive months is between 500,000 yuan (including 500,000 yuan) and 2 million yuan or equivalent foreign currency, and other regulations refer to the gold card regulations. 3. Diamond standard:

The sum of the average daily personal financial assets and a certain proportion of personal loan balance for three consecutive months is more than RMB 2 million (including RMB 2 million) or equivalent in foreign currency. For other provisions, please refer to the regulations of the Gold Card level.

Extended information: 1. The process of opening a bank card:

1. ** person to the bank business outlets with ID card, client ID card and a small amount of cash;

2. Fill in ** with the assistance of the staff in the bank lobby;

3. Take the number and queue up, and at the same time copy the ID card with the assistance of the staff;

4. Call the number at the counter, go to the counter, hand over the filled ** and ID card to the bank teller, and you will need to sign when you apply for the card;

5. After all the transactions are completed, you will get a bank card;

6. Complete the card opening, take your belongings and leave.

If the card is activated without a password after the card is opened, the cardholder must go to the card in person to activate the card with a password.

Second, the use of bank cards of security knowledge.

1. Bank cards are also available"Shelf life": Be kind to your bank card and help to prolong"her"of"Lifespan"。It is best to put the bank card in a crusty wallet, not too close to the magnetic clasp; Sharp objects should be protected from wearing, scratching, or twisting and breaking; Do not store close together or back to back to avoid the magnetic strips rubbing against each other.

Do not put the card in the microwave, refrigerator and other high-magnetic electrical appliances can affect the range, and try not to put it with mobile phones, computers, handheld computers and other magnetic objects to avoid demagnetization"Deterioration"：

2. Keep your bank card safely: Please store your bank card and ID card separately. In some public places where you need to store your coat, don't put your wallet with your bank card in your coat pocket, and don't keep it in your car or locker.

Don't lend it to others, don't show it off, and don't reveal your bank card number and password. Remember to make a separate copy of the card number and the customer service number of the post office and keep it safe.

If the personal financial assets of the postal service exceeded 500,000 in the last quarter, you can withdraw platinum and more than 2 million diamonds. It's as simple as that.

The average balance of more than 50,000 yuan in 6 months can be handled.

The more assets you have at Japan Post Bank, the more advanced the type of card you can apply for (Gold, Platinum, and Diamond cards will increase in order), and you will be able to reduce fees and give priority to your business.

Post Bank. Platinum Credit Card Limit.

With a range of 100,000 to 1 million, the card is a higher-level credit card, which has higher requirements for personal assets, and must provide financial proof materials such as large-value fixed deposit certificates, real estate certificates, vehicle driving licenses, and business licenses. The specific credit card limit is affected by the applicant's qualifications, credit, repayment ability and other factors, so each person's platinum card limit will be different.

Extended Materials

What does the Postal Savings Platinum Card do:

1.UnionPay. In addition to all financial features, the Platinum Card also offers 24-hour exclusive Platinum services** and online banking.

service, SMS reminder service for account changes, and priority service at the counter.

In addition, there are some banks that have public transport accident insurance for the Platinum Card.

Value-added services such as airport lounge services, health privileges, golf booking services and financial butlers.

Line of credit. Generally larger. The banks stipulate that the maximum limit of the general card is 50,000, the maximum limit of the gold card is 200,000, and the limit of the platinum card is generally 100,000 yuan and 1 million yuan;

2.More distinguished and considerate service. The users of the platinum credit cards issued by various commercial banks are all users with very good qualifications, and the banks will provide more distinguished and considerate services for these users;

3.Offline consumption privileges. Most of the platinum cards will cooperate with various airports, hotels, etc., and everyone who holds the platinum card of this bank can naturally enjoy these benefits every year;

4.An interest-free period of up to 50 days is available. If you use a platinum card to make a large purchase, the interest-free period of up to 50 days can save a lot of interest;

5.Platinum card holders are more likely to get a loan with low interest and high amount. The repayment ability and historical performance repayment of platinum card users are generally better, and banks are willing to issue high-value and low-interest loans if they apply for loans.

Basic application requirements for platinum card:

1. The credit rating is up to standard.

At present, there are two main ways to apply for a platinum credit card: invitation system and recommendation system, if citizens want to apply for a platinum card, they can directly contact the bank's customer service manager to make an appointment. At this point, the account manager.

A preliminary assessment of the applicant's credit rating will be made to determine whether the applicant is eligible to apply for a platinum card.

The personal credit rating of banks is mainly divided into "three-class and nine-level systems", in which the main factor affecting the credit rating is the credit score. Through the personal credit rating, the bank can understand the applicant's credit history, credit ability and risk level. For example, in order to apply for a platinum credit card, a citizen must have a personal credit rating of at least AA (including AA) or above.

Second, the ability to repay is up to standard.

The annual fee of most bank platinum cards is about 3,000 yuan, and the annual fees of some special platinum cards are even more than 10,000 yuan, and the annual fees of platinum cards can only be deducted through consumption and points, so the requirements for the cardholder's repayment ability are very high.

Requirements for applying for a Postal Gold Card:

1. A fixed deposit of 100,000 yuan for three months means an average daily balance of 100,000 yuan for three consecutive months;

2. The current deposit is 5W, and the minimum deposit in the card is 5W.

Further information: China's postal savings can be traced back to 1919, with a history of 100 years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was formally established.

In January 2012, the overall restructuring was made into shares. In December 2015, 10 domestic and foreign strategic investors were introduced. In September 2016, it was listed on the Hong Kong Stock Exchange.

In December 2019, on the Shanghai Stock Exchange.

Listed on the stock exchange, the three-step reform goal of "share reform - leading the battle - A and H listing" was successfully completed.

The Bank has nearly 40,000 business outlets, serving more than 600 million individual customers, giving full play to the advantages of the unique model of "self-management + **" to serve the "three rural areas".

Urban and rural residents and small and medium-sized enterprises. With excellent asset quality and significant growth potential, we are a leading large-scale retail bank in China.

The Bank adheres to serving the real economy, actively implements national strategies and supports the construction of China's modern economic system, and achieves its own sustainable development.

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

Adhering to the risk-oriented approach, we continued to improve the construction of a comprehensive risk management system of "comprehensive, whole-process, and all-staff", and maintained an 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 financial services; In line with the trend of residents' wealth growth and consumption upgrading, the development of wealth finance; support the transformation and upgrading of industrial structure and the development of industrial finance; Implement carbon peaking.

Major deployment of carbon neutrality and the development of green finance.

Empower high-quality development with financial technology.

Build a digital ecological bank that serves rural revitalization and new urbanization.

After 14 years of hard work, the Bank's market position and influence have become increasingly apparent. Fitch and Moody's have assigned A+ and A1 ratings to the Bank, S&P Global has assigned an A rating to the Bank, S&P Global has assigned an AAASPC rating to the Bank, and China Chengxin International has assigned an AAA rating to the Bank, with stable outlooks. In 2021, in the British Banker magazine.

In the "Top 1000 Global Banks", the Bank's Tier 1 capital ranked 15th.

In the face of a period of strategic opportunities for China's economic and social development, the Bank will base itself on the new stage of development and implement the new development concept.

Serve the new development pattern, comprehensively deepen reform and innovation, and strive to become a first-class large-scale retail bank trusted by customers, with distinctive characteristics, stable and safe, innovation-driven, and excellent value.

A postal deposit of 300,000 yuan can be used for a platinum card.

The Platinum Card service can be used to enjoy priority services at the VIP lounges and VIP counters of postal savings outlets. You can enjoy maturity reminder services such as regular savings, treasury bonds, and various loans, which are provided by personal account managers. Professional financial advisors and advisory services.

At the same time, the bank will regularly send you new product information, ** information and wealth management products.

Handbook. When there is a change in the funds in the VIP Gold card account, the bank will provide an SMS notification as soon as possible.

1. A postal deposit of 300,000 yuan can be used for a platinum card.

Application conditions: Applicants are 22-55 years old and have certain financial strength. Leaders and financial leaders of large enterprises or institutions with no bad credit history. Tier 1 cities.

After-tax annual income of more than 50,000 yuan, second-tier cities.

More than 40,000 yuan, and more than 30,000 yuan in its user area. or the average daily personal financial assets for three consecutive months and a certain percentage of the personal loan balance.

The sum is between $500,000 and $2,000,000 or its equivalent in foreign currency.

2. The role of UnionPay Platinum Card.

In addition to all financial functions, some banks also provide value-added services such as bus accident insurance, airport lounge services, health care, golf reservation services, and financial butlers for the Platinum Card.

Credit lines are generally larger. The limit of the platinum card is generally between 10-1 million yuan. The bank will provide more distinguished and considerate services for these users.

Privileges for offline purchases. Interest-free period of up to 50 days is available. Platinum card holders are more likely to get loans with low interest rates and high amounts.

To sum up, becoming a platinum member of the bank not only provides 24-hour exclusive platinum services** and online banking.

Service, SMS reminder service for account changes, and priority service at the counter. It is also because the users of platinum cards issued by banks are all highly qualified users, and the repayment ability and historical repayment of platinum card users are generally good. If the loan is processed, the bank is willing to issue high-value and low-interest loans.

It helps me to improve the convenience in life and the dignity of travel, and can also solve the financial pressure.

Generally speaking, you want to apply for postal savings.

Platinum Card, Applicant's Savings Card.

The minimum deposit amount is 50,000 yuan. Of course, apply specifically to Japan Post Bank.

The conditions required for platinum credit cards still depend on the requirements of regional branches, some places have no restrictions on the minimum deposit amount, and some places require the president's guarantee to apply for a large-amount platinum card. Therefore, the specific situation needs to be analyzed in detail.

Extended MaterialsPrecautions.

1. When entering the password, pay attention to cover the block with your hands, if you find the ATM.

If there is an abnormality in the password shield and the card protection slot, do not use it for the sake of safety, and inform the bank immediately;

2. In order to prevent fake ATMs, customers should try to choose self-service banks with conspicuous signs and use ATMs under the bank's video surveillance;

3. It is best to bring the bank card and ID card.

Store it separately, do not lend the bank card to others, and do not disclose the bank card number and password at will;

4. When swiping the card to consume, do not let the bank card out of sight and pay attention to the cashier.

When you get the purchase order and card, check whether the amount on the purchase order is correct and whether it is your card;

5. Open the mobile phone SMS service, keep abreast of account changes, and call the bank immediately to report the loss once abnormal transactions are found;

7. Do not put the bank card with mobile phones, TVs, stereos, microwave ovens and other electrical appliances with strong magnetic fields, it is best to put them away. Multiple bank cards and passbooks.

Don't put it together either.

8. Try to separate the cards from each other with pieces of paper to play the role of separation.

9. You can use a special bank card sleeve or pants to contain an anti-magnetic card bag.

No more than 4 cards can be opened with the same bank.

In December 2015, the China Banking Regulatory Commission (CBRC) issued the Notice on Matters Concerning the Crackdown on New Illegal Crimes in the Banking Industry (hereinafter referred to as the "Notice"), which stipulates that from January 1, 2016, the same customer will open a debit card at the same institution.

In principle, no more than 4 (excluding social security cards). At the same time, the "Notice" also stipulates that "in principle, no more than 3 cards shall be opened by the same person in the same commercial bank." **The debit card issued can only be used after the card is activated at the counter with a valid ID card.

The Notice also requires that for customers who already have more than 4 debit cards, banks should take the initiative to contact customers for verification, and if they find that they do not want to handle it, they should suspend the service.