There are two calculation methods:

1. Minimum repayment amount = 100 The unpaid portion of the minimum repayment amount in the previous period 100 Cash withdrawal transactions (including principal, fees, and interest) 100 years The installment business charges 100 yuan for each installment of the account principal, handling fees and the resulting interest, 10 yuan for the consumption principal and 10 yuan for expenses.

Fees include liquidated damages, interest, loss reporting fees, damage compensation fees, over-limit fees, etc.

2. When the customer has already paid the minimum repayment amount in one period:

100 unpaid portion of the minimum repayment amount in the previous period 100 annual fee 100 cash withdrawal transaction (including principal , fees, interest) 100 Installment business Each installment of the principal, handling fees and the resulting interest 5 consumption principal 5 fees (except annual fees, cash withdrawal fees)

The fees are the same as the first calculation method .

Extended information:

Ping An Bank credit card repayment method and process:

1. Automatic repayment.

After the personal debit card account is associated with repayment, the bank will automatically deduct the credit card account from the personal debit card account on the repayment date.

Currently, Ping An Bank supports the binding of the Bank, Agricultural Bank of China, China Construction Bank, China Everbright, Bank of China, Bank of Communications and China Merchants Bank.

2. Online repayment.

You can bring your ID card and Ping An Bank personal current account (debit card/current passbook) to a Ping An Bank branch to activate advanced online banking user functions, and use "Ping An Credit Card" in "Remittance Transfer" Repayment" to make repayments.

a. You can log in to the UnionPay online payment website, select "Credit Card Repayment", and follow the prompts to repay online.

b. You can log in to the Tenpay website, select "Credit Card Repayment" in "Life Helper", and follow the prompts to make online repayment

c. You You can log in to the Kuaiqian website, select "Credit Card Repayment", and follow the prompts to repay online.

d. You can log in to the Alipay website, select "Credit Card Repayment", and follow the prompts to repay online.

e. You can log in to the Yibao payment website, select "Credit Card Repayment", and follow the prompts to make online repayment.

3. Mobile banking repayment.

You can log in to Ping An Bank's personal online banking, enter "My Financial Circle" and "Myself" and drag the account to operate the credit card repayment.

4. Repayment by phone.

You can call the customer service hotline (dial 40066-99999 or 0755-961202) to apply for the credit card repayment function, and you can make credit card repayments through Ping An Easy Phone Banking.

5. Lakala repayment

You can enter the Lakala initial page - select credit card repayment - then swipe the Ping An Bank credit card - enter the repayment amount - enter Mobile number – then enter your password.

6. Shenzhen mobile phone text message repayment.

You need to bind your debit card to your mobile phone number, and then activate mobile payment, so that you can send text messages to easily repay.

7. Xiamen "Jiafutong"/Shenzhen Tianwei Digital TV repayment.

If your home has an interactive digital TV and is equipped with a remote control with a card slot, you can use a debit card with the "UnionPay" logo to repay; if you are already a Tianwei Video user.

As long as you apply for the "Tianwei UnionPay" TV payment service at a Tianwei Video business outlet, you can easily repay the loan at home by operating the remote control.

8. Repayment at outlets.

ATM: You can deposit cash or transfer repayment using a Ping An Bank debit card at any Ping An Bank self-service terminal (self-service teller machine, deposit machine or all-in-one deposit and withdrawal machine, etc.).

CRS: You can use other bank debit cards to repay Ping An Credit Card at any Ping An Bank CRS self-service deposit and withdrawal machine.

Transfer/remittance repayment at other banks’ counters: You can handle inter-bank transfers/remittances at other banks’ counters to repay your Ping An credit card account.

Repayment through counter service: You only need to bring your Ping An credit card to the counter of a bank outlet that has opened the "counter service" service, and use cash or a debit card from the accepting bank to make repayment.

Repayment at the counters of Ping An Bank outlets: You can make repayment at the counters of Ping An Bank outlets with your Ping An credit card, our debit card or cash.

Ping An Credit Card Charges:

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

Late payment 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 resetting password letters is 20 yuan.

Baidu Encyclopedia—Ping An Credit Card