When negotiating, remember to tell the bank that you didn't mean to overdue. First, show sincerity, and then you need to repay in full. If there is no record of overdue repayment before, the bank will not record you as overdue.
: 1. What is a credit card?
Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders don't need to pay cash when using credit cards, but pay back on the settlement date. Except that some credit cards are combined with financial cards, general credit cards are different from debit cards and withdrawal cards. Credit cards do not directly debit the user's account.
Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units for shopping, consumption and cash deposit and withdrawal in banks. It is a form of card with name, expiration date, number and cardholder's name printed on the front, and magnetic stripe and signature strip printed on the back.
Real credit cards have the following characteristics: cash deposits are not encouraged, consumption is followed by repayment, interest-free repayment period is enjoyed, repayment can be made in installments (minimum repayment amount), and international credit card organizations such as visa and master are increased for global use.
Two: What is Ping An Bank?
Ping An Bank is a cross-regional commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks. With a registered capital of 50123.35 million yuan and total assets of nearly10.37 trillion yuan, it is headquartered in Shenzhen, Guangdong Province.
China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An") and its holding subsidiaries hold about 2.684 billion shares of Ping An Bank, accounting for 52.38%, which is a bank controlled by China Ping An. There are 34 branches in China and representative offices in Hongkong.
20 12 1, Shenzhen Development Bank, the predecessor of Ping An Bank, acquired Shenzhen Ping An Bank, a subsidiary of Ping An Insurance Group. After the acquisition, SDB changed its name to New Ping An Bank, and established New Ping An Bank to conduct formal business. 2065438+On June 26th, 2009, eight banks including Ping An Bank launched the first batch of enterprise information networking verification systems.