Excuse me, Ping An Bank’s Ping An You Ni Credit Card is free of annual fees for life
Ping An You Ni’s credit card is free of annual fees.
According to Ping An Bank’s standards, Ping An Youni Card is a credit card in Ping An Bank’s lifetime annual fee-free series, and there is no extra handling fee after activation. Moreover, Ping An You Card gives users more choices based on traditional Ping An credit cards. With the card, you can choose your favorite rights and apply for them.
1. Credit card application
In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply Apply for a credit card from the card issuer. Sometimes, legal persons can also be applicants.
Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
2. Credit card issuance
Credit card issuance Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.
After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.
What is the limit of your Ping An credit card?
1. Ping An You Ni’s credit card limit ranges from 3,000 yuan to 10,000 yuan.
2. Ping An Youni Credit Card is a UnionPay regular card of Ping An Bank. The credit limit of the credit card ranges from 3,000 to 10,000 yuan. Its credit limit is not high, but you can apply for a limit increase. The conditions are simple and the pass rate is high. Generally, if you use it for more than 3 months, you can apply for an increase in the temporary quota, and if you use it for more than 6 months, you can apply for an increase in the fixed quota. Cardholders can increase the limit by swiping more cards to spend, or increasing the amount of card swiping. You can also apply to supplement your property information through Ping An Bank's credit card customer service hotline 95511, and then apply for a limit increase again. The pass rate is still very high.