This is my first time to apply for a credit card. I want to apply for a Ping An credit card. My salary is punched in, one month

1. Application conditions

1 . Any individual with full capacity for civil conduct, a legal and stable source of income and good credit standing can apply for a personal card from the card issuer with his or her valid identity document and relevant information.

When an individual applies for a credit card, in addition to one main card, he or she may also apply for no more than two supplementary cards for other natural persons with full capacity for civil conduct. The primary cardholder can apply to cancel the supplementary card or stop using the supplementary card at any time.

The supplementary cardholder and the principal cardholder use the same credit limit; all supplementary card transaction amounts and corresponding interest, fees, etc. are credited to the principal card account, and the principal cardholder Bear full responsibility for the repayment of debts incurred under the main card and supplementary cards; the supplementary cardholder with full capacity for civil conduct and the main cardholder shall be jointly and severally liable for the repayment of debts incurred under the main card and supplementary cards. Supplementary cardholders with limited capacity for civil conduct are only responsible for repaying debts incurred by the supplementary card they hold. Supplementary cardholders may apply to cancel the supplementary card after paying off all debts on the supplementary card.

2. Information required to apply for a credit card

1. Identity proof information: a copy of the resident ID card or military officer's ID card; for Hong Kong and Macao compatriots, a copy of the Mainland Travel Permit and proof of residence for more than one year For foreigners, just provide a copy of their passport and residence permit for more than one year.

2. Proof of work and income: salary certificate, copy of social security (paid for more than half a year).

3. Supporting information for credit card application: academic qualifications, professional titles, professional qualification certificates, self-owned real estate certificate, self-owned car driving license, telephone, water, electricity and gas bills of the current place of residence in the past three months. The original of any document, etc.

Credit card time: It usually takes about 30 days from application to getting the card.

After submitting the credit card application information, it will first be submitted to the credit card center review department of the issuing bank. The review department will score the applicant based on the applicant's personal situation. This process usually takes 10 working days. If the review is passed, the card-issuing bank will make a card for the cardholder within two working days, and then send it by registered mail or express delivery. It usually takes about 15 days to send by credit card registered letter, and express delivery usually takes about 5 days.

However, for some cardholders who have already applied for a credit card and submitted complete information, the bank's approval will be much faster. Generally, the card will be issued in about 3 days, so how long it usually takes to apply for a credit card depends on the application. It depends on the person's personal situation and the approval speed of the card-issuing bank. Usually the results will be available in about a month. How can I apply for a Ping An Credit Card?

Credit card application conditions

You must be over 18 years old, have full capacity for civil conduct, have a legal and stable source of income, and Chinese citizens with good credit standing, foreigners permanently residing in the country and compatriots from Hong Kong, Macao and Taiwan can apply for credit cards from card issuers with their valid identity documents.

The materials that need to be provided are as follows:

1. Required information: identity document

(1) Domestic persons: applicant’s ID card or military officer

(2) Overseas persons: Compatriots from Hong Kong, Macao and Taiwan shall provide a copy of their pass, and other foreigners shall provide a copy of their passport.

2. Other supporting documents (please provide as much as possible to help improve your credit limit)

(1) Proof of employment

Work permit or job identification A copy of the certificate (employment badge), original business card, and original work certification document stamped with the official seal of the unit.

(2) Proof of income

Bank-issued salary records (copy of salary card statement) or copy of personal income tax withholding voucher or issued by the unit in the past three months Original proof of income.

(3) Copies of academic certificates, professional title certificates, professional qualification certificates, self-owned real estate certificates, self-owned car driving licenses, time deposit certificates and other information, as well as telephone and water records of the current place of residence in the past three months. , any receipt for electricity or gas bills, other bank credit card certification documents (the originals of the last three statements) and other original documents.

How much is the credit limit when applying for the first Ping An credit card when it expires?

When a credit card expires, banks will usually take the initiative to send out a new credit card. If the bank does not send it out, you can also call customer service to apply for a new card. ;

The bank will notify you by SMS when the card is sent:

1. If sent by registered mail, it will usually take about 7-15 days to receive;

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2. If sent by EMS, it will arrive in 3 to 4 days nationwide, within 2 days in this province, and 7 to 10 days abroad (countries that have signed a peace treaty with China);

3. After receiving the SMS notification of the bank sending the card, you can check the delivery progress through the tracking number on the official postal website; the above is calculated from the bank sending time, excluding card printing and other time. Hello, I have been using my Ping An credit card for a while. I would like to apply for another Ping An credit card. Let me inquire.

Thank you for your attention to us! You can log in to our credit card official website at any time and apply for our other different types of credit cards. There is no time limit between two applications.

At present, we have Tianxiatong social manager. You can download Ping An Tianxiatong and bind your credit card to experience different business circles, and you can control the information at one hand! I have a Ping An credit card that I have used for a month. Can I increase the limit?

No, you need to wait for more than three days; this is a hard rule of the bank;

Here is a general one for you Tips on how to increase your credit limit. Try this:

1. Increase the number of credit card swipes and accumulate as much data in the system as possible; the reference number is about 25 times per month;

2. Increase the amount of credit card swiped, and it is best for each bill to be no less than 80% of the total amount;

3. Make timely repayments and maintain a good credit record.

(Paying it in the day before the bill date can reduce the debt on the credit report)

4. Use your credit card as comprehensively as possible. Only by increasing the frequency of use and consumption categories can you increase the amount of credit. Good foundation.

5. Try to choose POS machines with points for consumption, and use bank or merchant activities to maximize the accumulation of points.

6. You can choose an appropriate amount for installment, which will allow the card issuing bank to make some profit and also help to increase the limit.

7. During the use process, if you add new real estate, such as a car or a house, you can submit the information to the counter of the card issuing bank, which is a new proof of financial resources. This trick is also very convenient. efficient.

8. You can continuously request to increase the temporary quota.

I want to apply for a credit card. Is Ping An Credit Card good? I have an acquaintance in Ping An. If I don’t repay the loan for a month, will the interest be high?

Thank you for your support of Ping An Credit Card. Ping An Credit Card can be used for credit card consumption, cash advance, online consumption, etc. Ping An Credit Card has launched many different types of credit cards based on different needs of customers. Among the issued cards are the Ping An Car Owners Credit Card, which is loved by car owners, and the Ping An Insurance Credit Card, which provides cardholders with comprehensive protection covering "safety in consumption, safety at home, and safety in travel". There are also Ping An Insurance Credit Cards that support various Taobao application functions. The Ping An Taobao co-branded credit card brings you a richer and more convenient online shopping life. For more card introductions, you can log in to the official Ping An Credit Card website and click "Credit Card Application" in the credit card application field for details.

If you need to apply for a card, there are Ping An Bank outlets in the city where you live or live. You can apply for the card online through the Ping An Credit Card official website.

?If you make purchases with your card after your card has been approved, if you fail to repay the current bill balance on time, Ping An Bank will calculate the interest in segments and will record the amount of each transaction in the bill. Interest will be accrued at 5/10,000 each day starting from the date of the transaction until the transaction is paid off. At the same time, if you fail to repay the minimum repayment amount when it is due, Ping An Bank will also charge a late payment fee. The late payment fee standard is that when the overdraft principal does not exceed 20 yuan or 3 US dollars, the late payment fee will be charged based on the overdraft principal; overdraft fees When the principal exceeds 20 yuan, the late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum of 20 yuan or 3 US dollars. For specific relevant charging standards, you can log in to the official website of Ping An Credit Card and click on the charging standards in the credit card application field to learn more.

At present, we have Tianxiatong social manager. You can download Ping An Tianxiatong and bind your credit card to experience different business circles, and you can grasp the information at one hand! What are the benefits of applying for a Ping An Credit Card?

Thank you for your interest in us! The basic functions of Ping An Credit Card include card consumption, online payment, cash advance, etc. Ping An Bank will launch different discounts and promotions for different credit cards from time to time. Different credit card types also come with corresponding insurance. The following is a brief introduction to some Ping An credit card products and card features, such as:

If you like to travel, you can choose Ping An Insurance Credit Card: comprehensive public transportation accident protection and home safety insurance gas accident insurance .

If you are a car owner, you can choose Ping An Car Owners Credit Card: roadside assistance within 30 kilometers, double points for refueling by swiping the card, accident insurance for all vehicle personnel, etc.

If you are an expert in online shopping, you can choose the Ping An Taobao co-branded credit card: you will accumulate credit card points for Taobao transactions conducted through Alipay's "quick payment" method when you spend online, and you will receive Alipay gold account benefits after activating the card. .

For specific card details, you can log in to the official Ping An Credit Card website and select the credit card product in the credit card application field to learn more.

At present, we have opened WeChat service. You can follow the official WeChat account of Ping An Credit Card to get the information at one hand! I have a Ping An credit card, but it doesn’t work when I apply for it.

You can find a credit card clerk at another bank, or apply on the official website. Dear, you have the following application methods:

Currently, various state-controlled banks and joint-stock commercial banks, whether national or regional banks, actively encourage consumers to apply for credit cards. . They are also trying their best to improve their service efficiency in order to better serve consumers. Of course, since each bank has different standards, consumers may feel that some banks' credit cards are not easy to handle.

Generally speaking, China Construction Bank, Agricultural Bank of China, Bank of China, and Industrial and Commercial Bank of China have higher credit card application conditions and smaller credit lines. Generally speaking, joint-stock commercial banks are more efficient than state-controlled banks. Regional banks are more efficient than national banks. For example, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank, China Guangfa Bank, etc. are relatively more efficient in applying for cards and have higher credit limit approvals.

In order to control risks, banks attach great importance to the repayment ability of the cardholder. The information you submit must make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards, and the higher the credit card limit will be. Therefore, I am here to give you some tips so that you can apply for a credit card as soon as possible:

1. No matter which bank you apply for, the more detailed personal information you prepare, the better. Especially documents that document the condition of your property.

2. You can apply for a credit card online, which saves the time of waiting at the business office.

3. If you want to apply for a credit card with a larger limit, it will be more troublesome to apply at the four major state-owned banks. You may consider other banks. Can my husband and I use the same app if we each have a Ping An credit card?

First, all credit cards under the same bank name of the same cardholder have a shared limit. The bills are not tied together.

Second, although the two credit card limits are shared, when repaying the credit card, the cardholder still has to make separate repayments according to different credit cards, and cannot repay all the repayments to the same credit card.

Third, two credit cards can be bound to the same debit card that the cardholder travels with to agree on repayment. Before the due payment date, keep the debit card in normal condition and with sufficient amount. You can repay the two credit cards separately on the due payment date at the same time. If you apply for a Ping An Credit Card, you don’t need to buy driver’s insurance.

Only Ping An Owner’s Credit Card has this insurance. If you swipe your card, this insurance will take effect. There are 500,000 drivers and 100,000 passengers. This is good.