Ping An enjoys the installment rate of Platinum Card 15%. The annualized interest of credit card 12 installment repayment is between 13%- 17%. Compared with the other eight joint-stock commercial banks, the annualized interest rates of the four major banks are lower, and the annualized interest rates of Agricultural Bank and China Construction Bank are the lowest, which are 12 bank, both of which are 13.03%, and China Everbright Bank ranks first, with the annualized interest rate of 12 repayment of 16.69%.