The general transactions of Ping An Bank's credit cards are recorded on the third day. The bill of the Pocket Banking application is not displayed as pending record until it is recorded. Transactions to be accounted for will not be included in the bill, so they can be repaid according to the credit card bill.

Ping An Bank Credit Card is the first credit business launched after Shenzhen Commercial Bank merged with Ping An Bank and changed its name to Shenzhen Ping An Bank. In addition to the basic functions of credit card, such as credit consumption and cash advance, it also has many unique functions to provide cardholders with all-round security protection covering "safe consumption, safe home and safe travel".