What is the credit card limit of Ping An Bank?

The credit card limit of Ping An Bank is affected by the applicant’s personal qualifications and is mainly divided into three levels. The limit of regular card is 1,000-10,000 yuan, and the limit of gold card is 10,000- 50,000 yuan, and the platinum card limit is more than 50,000 yuan.

Ping An Bank will evaluate the user's credit situation based on the information provided by the user, such as previous repayment status, etc., and set a limit within this range, which is the user's overdraft limit.

Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by your credit card. It includes credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited into the credit card. .

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained.

Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

How to increase credit card limit?

1. Continuous and frequent card consumption

Persistence means that after you have a credit card, you must persist in long-term card consumption. It is best to If the credit card consumption limit is generated every month for more than three consecutive months, do not use it for a period of time and then freeze it for a long period of time.

Frequency means to swipe your card wherever you can, no matter how big or small the amount is. The more times and merchants you use, the better. If you swipe your card all at once, it will be easy for the bank to think you are suspicious. , it is difficult to raise the quota.

2. Pay attention to the amount of credit card swiping and the temporary limit increase

Pay attention to the amount of credit card swipe and make full use of the temporary limit increase.

3. Persist in applying and seize the opportunity to apply

Persist in applying and seize the opportunity to apply, a two-pronged approach. For credit card users, you can insist on using the phone to apply to increase your credit card limit, because different customer service or staff have slightly different attitudes and principles when handling applications in this area.

Maybe you failed the last time but passed the next time, and the record left by insisting on phone application will also help in future application for quota increase.

4. Use the threat of card cancellation or sleep suspension

Use the threat of card cancellation or sleep suspension. After you have made multiple applications and been rejected, you can consider using this trick. Just tell the bank's customer service or staff directly. If the credit card limit cannot meet the actual needs, they will consider canceling the card.

It is best to present some facts. Of course, the attitude should not be too bad. It is best to be soft but hard, so that it is easier to gain room for negotiation and maneuvering.

What is the standard limit of Ping An Bank’s credit card (debit card)?

The standard credit cards (debit cards) of Ping An Bank are regular cards and gold cards. The limit for regular cards is 3,000 yuan to 10,000 yuan, and the limit for gold cards is 10,000 yuan to 50,000 yuan.

The card limit needs to be comprehensively considered by Ping An Bank based on the work income, bank flow, personal credit report, and information submitted when applying for the card. Specifically, the limit applied by the card applicant is allow. Users can bring their personal ID cards to any Ping An Bank branch to apply for a card, or they can follow the Ping An Bank credit card (debit card) WeChat official account to apply.

What is the limit of Ping An’s standard credit card? Check out these three tips to increase your credit limit

Ping An Bank’s Ping An Standard Credit Card has been widely loved by people since its issuance. Many people have applied for this credit card. When applying for a credit card, what people are most concerned about is Credit card limit situation. So, what is the limit of Ping An’s standard credit card?

Ping An Bank’s credit card limits are divided into three types according to the card level. Regular cards are generally around 3,000 to 10,000, gold cards are between 10,000 and 50,000, and platinum cards are between 50,000. Yuan and above.

The limit of standard credit cards of Ping An Bank is generally less than 50,000. The minimum limit of gold card is 10,000. The maximum limit for first-time application is not more than 50,000. However, if necessary for subsequent use, the limit can be increased to 100,000. The limit of ordinary cards is less than 10,000 yuan, and the limit is only a few thousand yuan, with a minimum of 3,000 yuan.

So, if the limit approved by the bank is not high, how to increase the limit?

1. Spend more with credit cards and use credit cards to pay as much as possible

2. Increase the amount of consumption, spend more money, and reach a certain amount and proportion of the credit limit.

3. Default in credit card repayments.

There are actually many techniques for increasing your credit card limit. As long as you master these techniques, your credit card limit will increase very quickly. This credit card allows you to apply for a limit increase when you have held the card for 6 months. Before that, friends who want to increase their limit can use these limit increase tips.

The limit of Ping An’s standard credit card is at a medium level. Some people may have a limit of only a few thousand yuan, but some people have tens of thousands. This mainly depends on the applicant’s assets and Depends on credit status. Therefore, if your financial resources increase, you can submit supplementary information to the bank in time, which will make it easier to increase the amount later.

What is the limit of Ping An Bank's credit card?

The limit of Ping An Bank's credit card generally ranges from 3,000 yuan to 50,000 yuan.

The limit of Ping An Regular Card is generally between 3,000 yuan and 10,000 yuan, and the limit of Ping An Gold Card is between 10,000 and 50,000 yuan. The cash withdrawal limit of Ping An Credit Card can reach up to 100 of the actual limit.

Extended information

Ping An Bank credit card can enjoy an interest-free repayment period of up to 50 days. If you make normal repayments in the first month (that is, not less than the minimum repayment amount in the current month's bill), the minimum monthly repayment amount will automatically be reduced from the original 10 to 5 from the next month.

Consumption instant text messages—When you make a purchase or repay, Ping An Bank will instantly send a reminder text message to your designated mobile phone, regardless of the transaction amount.

If your mobile phone number changes, please call the 24-hour customer service hotline to modify it in time. In areas where the 400 service is not available, please call (you can go to the official website).

References Ping An Credit Card_Baidu Encyclopedia

Ping An Bank's general card limit limit

The limit approved by Ping An Bank based on the credit card level is generally 3,000-8,000 yuan for a general card , Gold card is 8,000-50,000 yuan, and platinum card is more than 50,000 yuan, but the specific situation depends on the financial proof and personal credit status and other information provided by the user.

The credit limit of Ping An Bank is finally issued based on comprehensive evaluation by the system based on all aspects of information provided by the user. It will take into account many factors, such as the user’s work nature, education, income, and personal stability. , personal social credit, usage of other financial products and other aspects.

Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also has Many special functions provide cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".

Ping An Bank Credit Card Center was established in 2000 and settled in Qianhai, Shenzhen in 2015. It was upgraded to a credit card franchise with secondary legal person qualifications and relatively independent operations. As of November 2018, the number of cards in circulation has exceeded 50 million.

Ping An Bank is one of the main business departments of Ping An Group of China and an important part of the comprehensive financial service platform of Ping An Group of China. As a joint-stock commercial bank operating across regions, Ping An Bank has a registered capital of RMB 5.461 billion and total assets of more than RMB 130 billion. Its head office is located in Shenzhen, and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.

Fees information

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

Late payment fee: minimum repayment 5 of the unpaid balance, 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 handling fee: 2.5 of the transaction amount, the minimum charge is 25 yuan;

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

Inter-bank overpayment Refund 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;

The express fee (optional) is 20 yuan ;

Handling fee for re-sending statements: free within 3 periods, and RMB 10 per month thereafter;

The fee for reporting lost cards is RMB 60;

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

The domestic purchase order is 20 yuan;

Application conditions

Anyone who is over 18 years old and has full Natural persons with civil capacity, stable and legal sources of income, and good credit can apply for a personal credit card master card from the card issuer 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.

This concludes the introduction to the general card limit of Ping An Credit Card and the maximum general card limit of Ping An Credit Card. I wonder if you found the information you need?