Advantages: permanent annual fee-free, interest-free installment payment and low handling fee. In addition, if you spend one yuan to accumulate one point, the points will be permanent and valid, and the points can be transferred and exchanged, so that customers can easily realize various points plans. Disadvantages: low quota and difficult approval. Now many second-and third-tier cities don't do business. There are also types of credit cards, and there are not many activities.

Enjoying installment is a special installment business launched by Postal Savings Bank, which can be applied by credit card customers of Postal Savings Bank. Customers apply to the Postal Savings Bank for an installment credit card (hereinafter referred to as the installment credit card), and after being approved by the bank, they will be granted a special installment quota. Customers can apply to transfer the installment amount to the installment credit card and spend it at the merchants designated by the bank, so as to solve the financial pressure by installment repayment and meet the public consumption needs such as car purchase, home improvement, education, tourism and wedding.