What is the difference between the gold card and the regular card of Ping An Bank’s standard credit card?

The differences between the Ping An Standard Credit Card Gold Card and the Ping An Standard Credit Card Regular Card are as follows: 1. Annual fee: The annual fees for the Ping An Standard Gold Card and the regular credit card are both waived in the first year, and you can swipe the card 6 times in the first year. The annual fee is waived for the following year. But after failing to meet the requirements 6 times, the gold card will charge an annual fee of 300 yuan/year, while the regular card will charge an annual fee of 100 yuan/year. 2. Credit limit: The credit limit of Ping An Standard Credit Card Gold Card and Regular Credit Card is comprehensively assessed by the system based on the information you provide when applying. Your job stability, income, age, education, etc. will be taken into consideration. However, in terms of subsequent credit limit increase, Ping An Standard Credit Card Gold Card has relatively large room for improvement. The credit limit of a regular credit card is usually 3,000 yuan to 10,000 yuan, while the credit limit of a gold credit card is usually 10,000 yuan to 50,000 yuan. 3. Application conditions: For Ping An Standard Credit Card Gold Card and Regular Card, you can generally apply if you have a stable job and income for 20-65 weeks.

What is the limit of Ping An Bank’s standard credit card gold card?

The limit of Ping An Bank’s standard credit card gold card generally ranges from 3,000 to 60,000. 6,000 yuan to 15,000 yuan is more at this stage. Generally, the credit card approval amount will be determined based on the previous credit card repayment records and information. If there are no bad records and the repayments are normal, it will usually be around 10,000. Credit card (English: CreditCard), also called credit card. It is a non-cash transaction payment method and a simple credit service. Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the billing date (English: BillingDate).

What is the difference between Ping An Standard Credit Card MasterCard Gold Card and Ping An Standard Credit Card UnionPay Gold Card? Can you talk about it in detail? Thank you~

The differences between Ping An Standard Credit Card MasterCard Gold Card and Ping An Standard Credit Card UnionPay Gold Card:

1. Different issuing objects:

Ping An Standard Credit Card MasterCard Gold Card The card is a dual-label, dual-currency card jointly issued by China UnionPay and MasterCard. It has two accounts in RMB and US dollars.

Ping An Standard Credit Card UnionPay Gold Card UnionPay Gold Card is a single-label single-currency card issued by China UnionPay. It only has RMB accounts.

2. Different usage methods:

Ping An Standard Credit Card and MasterCard Gold Card can be used overseas through UnionPay client or MasterCard client.

Ping An Standard Credit Card UnionPay Gold Card can be used for transactions at merchants and ATMs with the UnionPay logo, and can enjoy various preferential activities organized by UnionPay from time to time.

3. Different card issuers:

The issuer of Ping An Standard Credit Card and UnionPay Gold Card is UnionPay, which is a card organization in China.

The issuer of Ping An Standard Credit Card and MasterCard Gold Card is MasterCard, which is an American card organization.

Extended information:

MasterCard card swiping on MasterCard international routes will be settled in US dollars. Each transaction will be charged an exchange fee of 1.5% of the transaction amount (if the consumption is direct If you settle in US dollars, there will be no exchange fee). After the bill is settled, you can activate the foreign exchange repayment function to repay the US dollar bill in RMB.

You can also pay with your card on overseas UnionPay lines and settle directly in RMB.

UnionPay cards can only be used for consumption through UnionPay channels, and settlement is in RMB.

Warm reminder:

1. Use the China UnionPay channel: Domestic and overseas consumption by credit card will be settled in RMB, subject to the exchange rate of the card organization when the merchant requests payment.

2. Use the channels of international card organizations (VISA, MasterCard, JCB): Domestic and overseas consumption by credit card will be settled in US dollars, and the exchange rate of the card organization will prevail when the merchant requests payment; if you use the channels of international card organizations, There is no currency conversion fee for overseas U.S. dollar transactions, and a currency conversion fee of 1.5% of the transaction amount is charged for overseas non-U.S. dollar transactions (euro, British pounds) (for cross-border handling fees, 1.5% of the transaction amount).

Reference materials: Baidu Encyclopedia - Ping An Bank Standard Card (UnionPay + Mastercard + Gold Card)

Reference materials: Ping An Bank - Introduction to credit card types

Ping An What is the standard credit card limit? Check out these three tips to increase your credit limit

Ping An Bank’s Ping An Standard Credit Card has been widely loved by people since its issuance. Many people have applied for this credit card. When applying for a credit card, what people are most concerned about is Credit card limit situation. So, what is the limit of Ping An’s standard credit card?

Ping An Bank’s credit card limits are divided into three types according to the card level. Regular cards are generally around 3,000 to 10,000, gold cards are between 10,000 and 50,000, and platinum cards are between 50,000. Yuan and above.

The limit of Ping An Bank’s standard credit card is generally less than 50,000. The minimum limit of gold card is 10,000. The maximum limit for first-time application is not more than 50,000. However, if needed later, the limit can be increased to 100,000. The limit of ordinary cards is less than 10,000 yuan, and the limit is only a few thousand yuan, with a minimum of 3,000 yuan.

So, if the limit approved by the bank is not high, how to increase the limit?

1. Spend more with credit cards and use credit cards to pay as much as possible

2. Increase the amount of consumption, spend more money, and reach a certain amount and proportion of the credit limit.

3. Default on credit card repayments.

There are actually many techniques for increasing your credit card limit. As long as you master these techniques, your credit card limit will increase very quickly. This credit card allows you to apply for a limit increase when you have held the card for 6 months. Before that, friends who want to increase their limit can use these limit increase tips.

The limit of Ping An’s standard credit card is considered to be at a medium level. Some people may have a limit of only a few thousand yuan, but some people have tens of thousands. This mainly depends on the applicant’s assets and Depends on credit status. Therefore, if your financial resources increase, you can submit supplementary information to the bank in time, which will make it easier to increase the amount later.

What is the standard limit of Ping An Bank’s credit card (debit card)?

The standard credit cards (debit cards) of Ping An Bank are regular cards and gold cards. The limit for regular cards is 3,000 yuan to 10,000 yuan, and the limit for gold cards is 10,000 yuan to 50,000 yuan.

The card limit needs to be comprehensively considered by Ping An Bank based on the work income, bank flow, personal credit report, and information submitted when applying for the card. Specifically, the limit applied by the card applicant is allow. Users can bring their personal ID cards to any Ping An Bank branch to apply for a card, or they can follow the Ping An Bank credit card (debit card) WeChat official account to apply.

That’s it for the introduction of Ping An Standard Credit Card.