Spiritual cash refers to the credit card holders of Ping An Bank (only the main card holders can apply, but the deputy card holders can not apply) who overdraw in full or in a certain proportion within the available cash limit under the credit line of Ping An Credit Card in order to meet their own consumption needs, and repay the principal and a certain amount of handling fees in installments.

To apply for spiritual use, you must meet the following conditions:

1. The applicant is the main card holder (can't apply for supplementary card) and has been holding the card for 3 months or more.

2. The currency is limited to RMB, and the application amount must be an integer multiple of RMB 65,438+0,000, with a minimum of RMB 2,000 and a maximum of RMB 50,000, and the available credit line (including temporary credit line, excluding payment by overpaid card).

Application method:

1. Download the Pocket Banking APP, enter the credit card interface, click "More", borrow by installment-get the permanent payment, and apply according to the prompts;

2. You can also click the link below to log in to the credit card online banking, and apply according to the prompts through the "installment financing" sub-option in the operation interface.

Warm reminder:

1. After the application for spiritual use fund is successful, the number of installments and the amount cannot be modified. Spiritual funds can only be used for personal consumption, not for investment, housing and other non-consumption areas.

2. If the installment is successful, the arrival time of funds is generally related to the processing time. If it is processed at 7: 00- 17: 00, the approved order will be transferred to the debit card in real time; After 17, the order is approved and transferred to the debit card at 7: 00 the next day. (This real-time disbursement refers to the transfer time of Ping An Bank's funds, and the specific arrival time also depends on the issuing bank of the debit card. )

3. Pay the handling fee of 3% of unpaid installment principal and remaining principal in advance.