How about Ping An Credit Card?

There are advantages and disadvantages. It depends on individual needs and the one that suits you is the best.

Advantages and disadvantages of Ping An Bank credit cards:

1. Benefits: Most cards come with insurance, and the market value of the insurance is much cheaper than the annual fee of the card. Ping An has strict controls and activities. Much, actually very good when it comes to customers. Flexible quota, full protection of consumption losses 72 hours before reporting loss, etc.

2. Disadvantages: Ping An has few outlets, expensive annual fees, troublesome repayments, troublesome cancellation, etc. Ping An Bank Credit Card is the first credit card launched after the merger of Shenzhen Commercial Bank and Ping An Bank and they were renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also has many special functions, providing cardholders with

The most frequently applied card types are as follows:

1. Elite Platinum Card: Annual fee: 600 yuan for the main card and 480 yuan for the supplementary card. Starting from November 16, 2017, the first-year annual fee will be reduced if you spend 8,800 yuan or more on the approved card within 3 calendar months (the same for the main and additional cards). The annual fee policy for the next year will be waived if you spend RMB 120,000 on the main card (RMB 100,000 on the additional card).

The benefits are as follows:

a. A fixed compensation of RMB 800 per time for a 2-hour flight delay

b. RMB 66 for domestic airport pick-up service

c. 10 million global comprehensive traffic accident insurance

d. 400,000 vehicle occupant accident insurance

2. Car owner’s card: Annual fee: Ping An Bank car owner credit card, annual fee is 200 yuan /year, if the consumption reaches 30,000 yuan in the first year, the annual fee for the next year will be waived, and so on. Activation will incur a first-year annual fee, and the first-year annual fee will not be reduced.

The benefits are as follows:

a. Accident insurance for all vehicle occupants up to RMB 1.1 million

b. Roadside assistance within 30 kilometers

c. Refueling 12% off

3. Standard card annual fee: Gold card 300 yuan/year; regular card 100 yuan/year; supplementary card 150 yuan/year; regular supplementary card 50 yuan/year. There is no annual fee for the main card in the first year. If you swipe the card 6 times a year, regardless of the amount, the annual fee for the following year will be automatically reduced, and so on; the supplementary card is free of annual fees.

The benefits are as follows:

a. From the day after the first purchase, you can receive high-value comprehensive traffic accident insurance every year

b..The day after the first purchase Principal cardholders can receive high-value gas user accident protection every year

Ping An Bank is an important member of Ping An Group of China and an important part of the comprehensive financial service platform of Ping An Group of China. As a joint-stock commercial bank operating across regions, Ping An Bank has a registered capital of RMB 5.461 billion and total assets of over RMB 130 billion. Its head office is located in Shenzhen, and its business outlets are currently located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou. .

Is Ping An Bank reliable? I want to ask someone who has experienced this to help me. I want to choose a reliable bank to apply for a credit card.

Ping An Bank’s credit cards are still very reliable. After all, they have been a commercial bank for many years and have a good reputation.

1. If you want to apply for a credit card from any bank, first follow this bank on WeChat. Official accounts, such as (XX Bank Credit Card), general credit card activities will be displayed on this official account as soon as possible to see if the activity content is suitable for your area and whether it is strong enough to attract you.

2. Co-branded card: Co-branded card, as the name suggests, is a more targeted preferential policy. Whatever rights you want, you can also choose the corresponding co-branded card, such as the Meituan co-branded card, which will definitely let you eat, drink and have fun everywhere. There is a surprise; the JD.com co-branded credit card will definitely come with PULS membership or other rights on JD.com.

3. If there are local outlets, you can apply through the third-party platform. Now banks have cooperated in order to issue cards. Some platforms do promotions. When you apply for a credit card, you can get a rebate of 100 or 200 yuan per card. The highest price per card is 600 yuan. If you apply for it yourself or apply for a friend, you can put real money into your pocket, which is another great benefit.

4. Apply to mainstream commercial banks: Communications, Shanghai Pudong Development Bank, China Merchants Bank, Industrial Bank, Everbright, Minsheng, Hua Xia Bank, etc. The advantage is that they have been issuing credit cards for many years, have perfect risk control, and dare to give credit limits; already Established cooperation with many merchants, there are many activities and full discounts

5. The four major banks can be considered. Local banks rarely do well in their activities. Considering the four major banks, one is the issuance of credit cards. For a long time, everyone may have more deposits in these four major banks. For example, if you have a 10W deposit in ICBC, based on your financial resources and star rating, the card limit will definitely be higher than that of someone without deposits and turnover.

6. Platinum Card: This depends on each person’s needs. Platinum Cards generally have annual fees or have higher requirements for annual fee exemptions, such as how many purchases or how much money you need to spend each year. The higher-end ones will not waive the annual fee at all, but the services will be even better, such as an annual physical examination at a tertiary hospital, VIP lounges on airplanes and high-speed rails that can take people to rest, free airport transfers, parking and other rights.

Baijiahao wrote this article on choosing a credit card

Is Ping An Bank’s credit card good?

1. Good; Ping An Insurance Credit Card is the only one in the country A credit card with an insurance number includes comprehensive, high-value sea, land, and air accident insurance and indoor gas accident insurance, so you can enjoy peace of mind when traveling at home.

2. Ping An Bank Credit Card is the first credit card launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also It has many special functions and provides cardholders with comprehensive security protection covering "safety in consumption, safety at home and safety in travel".

1. Application Conditions

1. Ping An Bank Credit Card is available to all natural persons who are over 18 years old, have full capacity for civil conduct, have a stable and legal source of income, and have good credit. Apply for a personal credit card master card from the card issuer with your valid identity document and other documents required by the card issuer.

2. The main cardholder of Ping An Bank’s credit card can apply for supplementary cards for other qualified natural persons. The principal cardholder is fully responsible for repaying the debts incurred under the principal card and supplementary cards. Supplementary cardholders are jointly and severally liable for the debts incurred under the principal card and supplementary cards.

2. Limit

1. Ping An Bank credit card limit inquiry: You can inquire about Ping An Bank credit card limit through the customer service hotline, and learn about credit card account arrears, current available limit and other information anytime and anywhere. .

2. Temporary credit limit adjustment of Ping An Bank credit card: When using Ping An Bank credit card, if you find that the approved credit limit is not enough and you need to increase the credit limit, you can call the 24-hour customer service hotline to apply for a temporary credit limit increase. Quota. The increased temporary limit of Ping An Bank's credit card will be automatically restored to the original limit after the validity period.

3. Long-term credit limit adjustment of Ping An Bank: You can submit the latest financial income certificate and apply for it at any Ping An Bank outlet. Ping An Bank will make an application based on your past card usage history, repayment records, etc. Conduct an audit and adjust your Ping An Bank credit card limit appropriately for the cardholder after passing the audit.

3. Cost information

1. Over-limit fee: Over-limit fee will be charged based on 5% of the over-limit part, and there is no minimum and maximum limit;

2 .Late payment fee: 5% of the unpaid portion of the minimum repayment amount, the minimum charge is RMB 20;

3. Handling fee for peer cash withdrawal: 2.5% of the transaction amount, the minimum charge is RMB 25;

4. Inter-bank cash withdrawal handling fee: 2.5 of the transaction amount, the minimum charge is 25 yuan;

5. Overflow payment recovery handling fee: 0.5 of the transaction amount, the minimum RMB charge is 5 yuan ;

6. Inter-bank overpayment recovery handling fee: 0.5 of the transaction amount, the minimum RMB charge is 5 yuan;

7. The cost of replacing a damaged or degaussed card is 15 yuan ;

8. Express delivery fee (optional) 20 yuan;

9. Handling fee for re-sending statements: free within 3 periods, and will be charged RMB 10 per month thereafter;

10. The fee for reporting the loss of the card is 60 yuan;

11. The handling fee for the password reset letter is 20 yuan;

12. The domestic purchase order is 20 yuan Yuan.

How about Ping An Bank’s credit card?

Ping An Bank’s credit card is pretty good. It not only has a good credit limit, but also has many practical benefits for different card types. Ping An Bank also has many cooperative credit card merchants and launches some preferential activities from time to time. Of course, Ping An Bank has a wide distribution of outlets and the repayment method is relatively convenient.

There are certain age requirements for applying for a Ping An Bank credit card. To apply for a Ping An Bank credit card, you must be over 18 years old and under 60 years old. If you are an overseas person applying for a Ping An Bank credit card, you need to meet the age requirement of 25 to 60 years old. If the applicant does not meet the application age for Ping An Bank credit card, he cannot apply for Ping An Bank credit card.

Ping An Bank credit card application requirements:

1. Applicants must meet certain age requirements. Applicants need to be Chinese citizens over 18 years old and under 60 years old, or over 25 years old. Foreigners under the age of 60.

2. The applicant needs to be a natural person holding a valid identity document and having full capacity for civil conduct.

3. If you want to apply for a Ping An Bank credit card, good personal credit is one of the necessary conditions. Applicants must have good personal credit before applying for a Ping An Bank credit card. Personal credit has a certain impact on bank-related business.

4. A stable job and legal income are also one of the conditions for applying for a Ping An Bank credit card. The bank must ensure that the applicant has the ability to repay the credit card balance.

5. Applicants need to have certain financial conditions and provide some asset certificates to the bank. The stronger the personal assets provided, the higher the approval rate for applying for a Ping An Bank credit card.

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