How to repay Ping An Premium Credit? Learn about the two repayment methods!

Youxiangjin is a special cash installment business for Ping An Bank’s credit cards. It can provide users with working capital and can repay in installments. You only need to pay a part of the handling fee and principal in each installment, which is more cost-effective than cash withdrawals with credit cards. It won't take up your credit limit. However, when applying for preferential payment, remember to repay it on time, otherwise it will be overdue and affect your credit report. So, how to repay Ping An Youxiang Gold? Let me introduce it to you below.

How to repay Ping An Premium Gold?

Official introduction: The first installment repayment amount of "Preferred Gold" and the first installment handling fee will be credited to the customer's credit card account within 2 calendar days after the "Preferred Gold" business is successfully processed. Customers must According to each installment of the Ping An Credit Card bill, the balance due in the current period, including the installment amount of "Preferential Gold" and the installment handling fee, will be repaid in full. If the payment is overdue or the repayment is insufficient, the balance due in the current period will be paid according to the current bill. Full interest accrual is carried out.

Such a long paragraph, to put it simply, the repayment amount of each installment of the preferential gold will be included in the minimum repayment amount of the credit card bill for the current period. You only need to repay the credit card bill amount on the last repayment date of the credit card. Just pay.

As for how to repay, there are two ways:

1. Repay on schedule: Ping An Credit Card will issue a bill every month, and you must repay in full on the last repayment date of the credit card. The minimum repayment amount will not be overdue. There are many specific repayment methods. You can choose automatic repayment, online repayment, mobile banking repayment, or branch repayment.

2. Early repayment: This requires you to call Ping An Bank customer service hotline 95511-2 (Platinum Supreme Service Hotline: 4008895511-1) to apply for early termination of the preferential bonus, and then repay the preferential bonus. For early repayment, the handling fee that has been credited will not be refunded, and the remaining unpaid handling fee does not need to be paid again.

How long does it take for the Ping An Credit Card bonus to arrive? Check credit?

The Ping An Credit Card Center’s Premium Cash Installment Business has a maximum independent limit of 300,000 yuan and a handling fee as low as 10,000 yuan per day, which has caused a wave of application peaks. When many cardholders apply, they want to know how long it will take to review the preferential credit, whether it will arrive quickly, and whether they will check their credit. Today we will briefly introduce it.

How long does it take for Ping An Premium Credit to arrive?

Youxiangjin is a special cash installment service provided by Ping An Bank to main cardholders. After users obtain a pre-approved credit limit, they can transfer it to a debit card under their name for cash withdrawal or consumption.

As for how long it takes for the transfer to arrive, it is generally affected by two factors:

1. Application time: It is best to apply before 17:00;

2. Application amount: within 50,000 yuan.

The details can be summed up in one sentence: if the application is successful before 17:00, the amount of less than 50,000 will be received in real time as soon as possible.

For example, if you apply for 10,000 yuan at 9 o'clock in the morning, it may arrive as soon as the application is successful, especially if it is transferred to a Ping An debit card in your name. However, if you transfer If you transfer it to other bank cards, the payment will be slower.

Does Ping An Youxiang pay a credit check?

When reviewing the preferential loan, the bank needs to know the applicant's credit report to see if there is any bad credit.

And these can only be seen in the central bank’s credit reporting system, which means that credit reporting will be checked when applying for Ping An Premium Credit.

The above is the relevant introduction to "How long does it take for the Ping An Credit Card bonus to arrive? Do I need to check my credit report?" In short, the credit check is required for the approval of Youxiangjin, so if the user's credit check is too expensive, or if it is overdue, it is better not to apply. After all, if you apply, the bank will leave a credit record after checking your credit once.

Where can I apply for the Ping An Credit Card bonus? The application process is simple!

Ping An Youxiangjin is a popular credit card cash installment product of Ping An Bank and has attracted much attention from cardholders. However, many cardholders are not familiar with this product and do not know where to apply. In fact, there are many application channels for Ping An Premium Credit. Here are three common application channels. Let’s learn about them together.

Before applying, first have a general understanding of the preferential gold. According to the official introduction: the "preferential gold" business refers to the Ping An Bank credit card granting to specific principal cardholders independent of the credit card's fixed limit. Exclusive cash installment limit, the cardholder can transfer the entire amount or a certain proportion of the exclusive cash installment limit to his or her own debit card with the same name, and repay the principal and a certain amount of handling fees in installments.

So, where can I apply for Ping An Preferential Cash?

The three most commonly used application methods are APP application, online banking application and telephone application. The specific application process is as follows:

1. Pocket Bank APP application:

1) Download Ping An Pocket Bank APP on your mobile phone, then bind your credit card, then click "Credit Card - Service - Installment Financial Management" to apply for preferential bonus.

2) Fill in the application amount and installment number on the application page, provide the debit card in your name as the appropriation card, and fill in the purpose of the funds;

3) Submit the application, Waiting for bank review.

2. Online banking application:

1) Open Ping An Bank’s credit card online banking, log in and click Installment Financial Management to apply for preferential bonus.

2) Fill in the application amount, number of installments, debit card in your name, and the purpose of the funds on the application page;

3) Submit the application and wait for bank review.

3. Telephone application:

1) Use the reserved mobile phone to call Ping An Bank’s credit card customer service number 95511, press 2, then 9 to transfer to manual service;

2) Apply to the manual customer service to apply for "Preferential Cash", and provide the installment number, installment amount, as well as the debit card account number and fund user with the same name;

3) The customer service submits the application and waits Bank review.

The above is the relevant introduction to "Where can I apply for Ping An Credit Card's preferential gold? The application process is very simple!" It should be noted that the preferential gold currency is only in RMB, and the application amount must be 100 yuan. Integer multiples, with a minimum of 2,000 yuan. After the application is successful, the number and amount of installments applied for cannot be changed or revoked, so you must think carefully before applying.

What is the difference between Ping An Credit Card’s preferential funds and reserve funds? Which one is better?

In addition to the installment function, credit cards from many banks can also provide cardholders with installment services beyond the credit limit. For example, the preferential bonus and consumption reserve fund of Ping An Credit Card are independent of the credit limit. Credit card installment credit products. However, many cardholders do not understand this installment product and want to know what the difference is between the two and which one is better. Let’s find out together below.

What is the difference between Ping An Credit Card’s preferential funds and reserve funds? Which one is better?

1. Differences in types and uses:

1. Preferential credit: It can be regarded as a credit card cash installment business. Only the principal cardholder can apply for it, and it can be transferred after obtaining the limit. To the debit card under the cardholder's name, you can withdraw cash or spend money after the payment is received, and then repay the credit card every month. To put it simply, you can get cash by applying for preferential bonus.

2. Reserve fund for consumption: As the name suggests, this is a consumer installment product. After obtaining the limit, it is directly transferred to the credit card and exists in the form of overpayment. You can only swipe the card to consume, but not Use this money to withdraw cash. In other words, you can only use the special reserve fund for personal or family consumption.

Summary: The nature of the preferential gold and the consumption reserve fund are different, so the uses are also different. If there is a large consumption demand, it is recommended to apply for a consumption-specific reserve fund. If it is urgently needed, then the preferential gold should be used It will help you.

2. Differences in limits:

1. Preferential cash: It has a special cash installment limit, which is independent of the fixed limit of the credit card and is not shared with the credit card limit. No credit limit will be used. The specific quota is comprehensively evaluated by the bank based on the applicant's credit standing, card usage, etc. Generally, only high-quality users can obtain the quota.

2. Special consumption reserve fund: It also has a special consumption installment quota, and the maximum amount that can be processed does not exceed 300,000 yuan. The credit limit is not exclusive and will not occupy the credit limit. However, if the application is successful, it will be transferred to the credit card and exist in the form of overpayment. It should be noted that after the reserve fund arrives, it will be given priority to offset the current outstanding balance of the credit card. .

Summary: Both preferential cash and consumption reserves have special installment limits. Since they are not shared with the credit card limit, you will not worry about the credit limit being reduced after use. However, if you have a balance on your credit card, the reserve fund will be used to offset the balance, so it can be regarded as another occupied limit.

3. Payment speed:

1. Preferential bonus: successfully applied before 17:00, the fastest real-time payment within 50,000;

2. Reserve fund: After the application is successful, the money will be credited to the credit card account within 2 calendar days after the waiting period (ranging from 0 to 3 days).

Summary: The preferential gold will arrive quickly, but the application time and amount are limited. The reserve fund will arrive slowly, but it can be canceled during the hesitation period.

The above is the relevant introduction of "What is the difference between Ping An Credit Card's preferential funds and reserve funds? Which one is better?" From the above comparison, we can see that one is a cash installment product and the other is a reserve fund. It is a consumer installment product. If you are in urgent need, you can apply for a preferential deposit. If you want to spend a large amount, you can choose a reserve deposit. In short, it is best to choose the appropriate product based on actual needs.

Does Ping An Advantage enjoy the credit score? The impact of overdue is serious!

Preferential Cash is Ping An Bank’s cash installment business with an exclusive quota, which can better satisfy cardholders’ cash needs. However, some cardholders will be worried about the credit report when applying for Youxiangjin, which will affect their credit report and hinder other banking services in the future. So, does the preferential payment count against the credit report? How will it be reflected in the credit report after application? Let’s find out together below.

Does Ping An Advantage enjoy the credit score?

Youxiangjin has a special cash installment limit. Although this limit is independent of the credit limit, a separate Youxiangjin account will not be opened. The repayment amount and handling fee of each installment are credited to the holder. In the cardholder's credit card account, the cardholder only needs to repay the bill balance in full each installment, including the preferential gold installment amount and handling fees.

To put it simply, Youxianjin will not be recorded in the credit report in the form of a consumer loan alone, but will only appear in the credit report in the form of a credit card credit limit.

However, it should be noted that even if the Premium Credit Card will not be listed on your credit report, if you do not repay it in time, it will cause the credit card to be overdue. If it is overdue, it will cause a bad credit card, and your credit card will be overdue. Overdue behavior will be recorded in the credit report, and you will have to face the consequences of being overdue, such as overdue repayments or underpayments, and interest will be calculated in full based on the current bill, etc.

Summary: Ping An Youxiang Gold is not separately listed in the credit report, but is reflected in the credit report as part of the credit card limit. In addition, if it is overdue, it will also be recorded in the credit report. Therefore, after applying for the preferential payment, you must repay the loan in time to avoid overdue credit reporting and a series of serious consequences.

What is Ping An's preferential credit?

Ping An's preferential credit refers to the exclusive cash installment limit granted by Ping An Bank's credit card to specific principal cardholders, independent of the fixed limit of the credit card. Cardholders can transfer the full amount or a certain proportion of the exclusive cash installment limit to their debit card with the same name, and repay the principal and a certain amount of handling fees in installments.

If users want to apply for Ping An Premium Credit, they can apply through APP, online banking and phone.

To apply through online banking, users need to log in to Ping An Credit Card Online Banking and click on installment financing to apply for the preferential bonus. If users want to apply by phone, they need to dial 95511 and press 2 and 9 to switch to manual service and apply for preferential credits. Of course, the most convenient way is to apply through the APP. You can directly log in to the Ping An Pocket Bank APP to apply for the preferential bonus.

We would like to remind everyone that the number and amount of installments that have been applied for are not allowed to be changed after the preferential payment application is approved. If you apply to pay off the outstanding installment balance in advance, after approval by Ping An Bank, the user must pay a one-time penalty of 3% of the principal of the early repayment.

The principal and handling fee of each installment of Youxianjin will be included in the user’s fixed limit and included in the minimum repayment amount of the user’s current bill.

In addition, you must repay the loan in full and on time, and do not take chances. Once it is overdue, it will be directly entered into your personal credit report, causing credit stains and adverse effects on the borrower.

Don’t return it after the due date

This is the end of the introduction about Ping An Credit Card Preferential Cash and how to use Ping An Credit Card Preferential Cash. I wonder if you found the information you need. ?