Ping An Credit Card can exceed the limit, and the limit can only be exceeded by 10, but the specifics are subject to the comprehensive evaluation results of the system. If your Ping An credit card suddenly cannot exceed the limit, it is likely that you have used the over limit before and failed to repay it. You can check whether the credit card has a negative limit.

Also if the cardholder has a relatively high personal debt, or the credit card is overdue, or the credit card is not used for daily consumption as required, the system will consider the cardholder's risk to be too high and will conduct risk control on the credit card. We also won’t allow card swiping beyond the limit.

Ping An Credit Card Fee Information

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

Late fee: minimum 5 of the unpaid portion of the repayment, the minimum charge is RMB 20;

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

Inter-bank cash withdrawal procedures Fee: 2.5 of the transaction amount, the minimum charge is 25 yuan;

Inter-bank overflow payment recovery fee: 0.5 of the transaction amount, the minimum RMB charge is 5 yuan;

Inter-bank overflow payment recovery fee: Payment and redemption handling fee: 0.5 of the transaction amount, the minimum RMB charge is 5 yuan;

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

Express fee (optional) 20 yuan;

Handling fee for re-sending statements: free within 3 periods, and then charged RMB 10 per month each time;

The fee for reporting lost cards is 60 yuan;

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

The domestic purchase order is 20 yuan;

Application conditions

Anyone who is over 18 years old, Natural persons with full capacity for civil conduct, stable and legal sources of income, and good credit standing can apply to the card issuer for a personal credit card master card with their valid identity documents and other documents required by the card issuer.

The primary cardholder of a personal 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.

Credit card repayment methods:

The methods within the card issuing bank include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

WeiBank POS mobile phone and WeiBank Tong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!

Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.

Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.

The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Use "Repayment Tong" to make repayments, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.