As far as risk control is concerned, Ping An Bank is strict among many banks. As we all know, Ping An Bank not only has a low threshold for applying for a credit card, but also is generous in granting the quota. Many small partners have tens of thousands of cards, which will be smoother in the future. Even users with ordinary qualifications can easily increase the amount to more than 50,000 yuan, and even some users have a card amount of more than 6,543.8+10,000. This is rare in other banks, especially state-owned banks. Because in order to ensure the safety of internal funds, major banks will strictly control the quota. Generally, credit cards with a price of more than 50,000 yuan have strict requirements on users' financial qualifications. If it is only a user with general qualifications, it is difficult to increase the card quota to more than 50,000 yuan.
Relying solely on the advantage of quota, Ping An Bank has attracted many users. It seems that the internal risk control of banks is not very strict, but it is not. At the same time as the quota is relaxed, banks are monitoring the qualifications of cardholders more closely. From the feedback of users, sometimes it may be market turmoil, even if it is not the cardholder's own problem. Ping An Bank may take general measures to reduce the quota, and it is indiscriminate. The credit card limit of some users dropped from 6,543,800 yuan to several thousand yuan overnight. Such a large reduction is rare in major banks. Therefore, in this respect, Ping An Bank's credit card outlets can still be relatively strict.
If you apply for a small partner of Ping An Credit Card, you must pay more attention in the usual use process to avoid the occurrence of bad card use.