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

Ping An Bank’s credit card overdraft limit generally has two levels. The first level is 3,000-50,000 yuan, like Ping An Bank Gold Card. Ping An Bank will evaluate the credit situation based on the information provided, such as previous repayment status, etc., and set a limit within this range, which is the overdraft limit.

The second level is more than 50,000 yuan, which is the platinum credit card of Ping An Bank. This is a credit card with a relatively high overdraft limit of Ping An Bank. In addition, the platinum card not only has a high credit limit, but also can enjoy VIP services such as five-star business travel vacations and high insurance protection. The limit of the Ping An credit card that most people apply for is generally less than 50,000 yuan. Only after applying for a platinum credit card from Ping An Bank can the limit reach more than 50,000.

Extended information

Ping An Bank credit card application conditions:

Anyone who is over 18 years old, has full capacity for civil conduct, has a stable and legal source of income, and has good reputation Any good natural person can apply for a personal credit card master card from the card issuer with his or her valid identity document 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.

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 Ping An Bank’s standard credit card 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 needed later, 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 on 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 considered to be 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 your Ping An credit card?

1. Ping An You Ni’s credit card limit ranges from 3,000 yuan to 10,000 yuan.

2. Ping An Youni Credit Card is a UnionPay regular card of Ping An Bank. The credit limit of the credit card ranges from 3,000 to 10,000 yuan. Its credit limit is not high, but you can apply for a limit increase. The conditions are simple and the pass rate is high. Generally, if you use it for more than 3 months, you can apply for an increase in the temporary quota, and if you use it for more than 6 months, you can apply for an increase in the fixed quota. Cardholders can increase the limit by swiping more cards to spend, or increasing the amount of card swiping. You can also apply to supplement your property information through Ping An Bank's credit card customer service hotline 95511, and then apply for a limit increase again. The pass rate is still very high.

For more information about the credit limit of Ping An You You, please enter: View more content

What is the credit limit of Ping An Bank for the first time application?

Ping An Bank for the first time application What is the credit card limit?

It is usually 10,000-50,000.

There are the following ways to increase your bank credit card limit:

Provide sufficient proof of financial resources when applying for the card.

When applying for a credit card, try to provide as much proof of your financial resources as possible, such as income certificate, bank deposit certificate, real estate certificate, car ownership certificate, etc. The bank will evaluate the assets of the card applicant based on these certificates. If the card holder has a deposit in China Construction Bank or is a civil servant, it will also help the card holder to obtain good credit, and it will also help to obtain a higher credit limit under approval;

Swipe as many cards as possible Consumption. The bank will make a comprehensive evaluation based on the customer's past card use. It is recommended that cardholders diversify their consumption types when swiping their cards, such as home appliances, catering, supermarket shopping, etc., and spend as much as possible in physical stores. The bank's credit card center will adjust the limit based on the cardholder's credit card utilization and repayment record;

Ensure a good repayment record. After using a bank credit card for consumption, make sure to repay the money on time every month before the repayment date. Once it is overdue, not only will you have to pay a high late fee, but it will also create a bad credit record, which will affect your future credit card applications. If there is an emergency and you cannot repay in time, you can call the bank's customer service hotline to apply for an extension of repayment;

Apply for an increase in the temporary limit. Bank credit card holders can apply to actively increase the temporary limit. The bank will comprehensively assess the limit range that the cardholder can increase based on the cardholder's usual consumption and repayment status. If you frequently increase the temporary limit, the bank will think that the demand for credit cards is relatively strong, so it is not difficult to increase the fixed limit. The temporary limit needs to be paid off in one go, so cardholders should be careful not to incur late payment fees.

Bank credit card applications for limit increase services are basically based on these methods.

What is the credit limit for Ping An Bank’s first credit card application?

This depends on the application materials you submitted. The limit is based on a comprehensive evaluation

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

No credit card A fixed unified limit, each person’s limit is determined based on the bank’s understanding of your assets, credit, liabilities, etc.

What is the limit for Ping An Bank’s online credit card?

Generally, Around 3,000

1. Application conditions:

1. Aged between 18 and 60 years old, with full capacity for civil conduct;

2. Have a good credit record ;

3. Have job income and the ability to repay.

2. Application materials:

1. Identity certificate: photocopy of resident ID card or military officer ID card;

2. Work and income certificate;< /p>

3. Other proof of financial resources: such as a photocopy of the real estate certificate, a photocopy of the vehicle driving license, a photocopy of the deposit receipt, etc.

3. Credit card application method:

1. Application at the counter:

Bring your credit certificate to the counter to apply:

Applicant required Submit a relatively complete asset certification file and submit materials to the bank for audit by the bank's back-end audit department;

After passing the audit, fill in relevant information and identity information;

Issue a credit card.

2. Online banking application:

The applicant uses a savings card account under his or her name to open online banking and enter the bank’s official website;

Enter ++, login password and verification After entering the code, enter the online banking page;

Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit, the audit progress and results will be displayed on the online banking;

After passing the audit, the credit card will be issued.

3. Counter application process:

Go to the bank branch where the credit card is processed, or ask the staff of the local bank's credit card center to fill out the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;

Submit certain photocopies and certificates of documents to the card issuing bank;< /p>

After filling in the application form truthfully, you must submit relevant credit certificates together with the completed application form;

The application form is accompanied by a credit card use contract, and the applicant authorizes it The card-issuing bank or relevant departments should investigate the relevant information and submit a declaration of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have my signature;

The credit card application process is basically completed and waiting for the credit card to be issued.

What is the credit limit of Ping An Bank?

Ping An Bank will determine the credit limit based on the information and credit status provided by the cardholder when applying. This limit is used by the cardholder for overdraft consumption. , the maximum limit for cash withdrawal. If you hold multiple credit cards issued by Ping An Bank, the highest limit of the credit card held in your name will be used as the credit limit, not the sum of the credit limits of the multiple credit cards.

The credit card application approval rate and limit depend on the various financial certificates in your name that you provide when applying, such as real estate certificates, car driving licenses, work income certificates, etc. The more financial certificates you have, the higher the pass rate and approval rate. The card limit is relatively high.

Card issuance control is now very strict and it is not easy to get approval.

Since you have a usage record (if it has not expired), you should be able to apply for it, but now the limit of the first-time card issuance is relatively low.

What is the credit limit for Ping An Bank’s driving license application?

This depends on the value of your car and your overall situation. It is generally about 1/10 of the car’s value.

What is the credit limit of Ping An Bank without a card

It is determined based on personal comprehensive score.

Credit card application conditions:

Age 18 and below 65 years old;

A second-generation ID card is required;

Proof of employment and income stamped with the company's financial seal;

No bad credit record;

Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Credit card application process:

Fill in the application form;

Send personal information to the bank, and photocopies of the information;

Send to the bank To the credit card center;

The credit card center will audit, print and issue the card;

After I get the card, I will open the card and wait for the password letter.

Being over 18 years old is a mandatory requirement for applying for a credit card. However, without proof of employment, it is easy to be rejected when applying for a credit card. Therefore, if you do not have an employer, it is best to have real estate or a car under your name. If you have fixed assets or a stable source of income, you can also go to the bank where the transaction occurs to obtain a bank statement and apply to the bank. If your income source is relatively stable, your application success rate is still very high.

Ping An Credit Card Limit Rules: What is the initial limit of Ping An Bank Credit Card?

If the limit approved by the bank is not enough, you can apply to increase the limit. There are the following ways to increase your bank credit card limit:

Provide sufficient proof of financial resources when applying for the card. When applying for a credit card, try to provide as much proof of your financial resources as possible, such as income certificate, bank deposit certificate, real estate certificate, car ownership certificate, etc. The bank will evaluate the assets of the card applicant based on these certificates. If the card holder has a deposit in China Construction Bank or is a civil servant, it will also help the card holder to obtain good credit, and it will also help to obtain a higher credit limit under approval;

Swipe as many cards as possible Consumption. The bank will make a comprehensive evaluation based on the customer's past card use. It is recommended that cardholders diversify their consumption types when swiping their cards, such as home appliances, catering, supermarket shopping, etc., and spend as much as possible in physical stores. The bank's credit card center will adjust the limit based on the cardholder's credit card utilization and repayment record;

Ensure a good repayment record. After using a bank credit card for consumption, make sure to repay the money on time every month before the repayment date. Once the payment is overdue, not only will you have to pay a high late fee, but you will also have a bad credit record, which will affect your future credit card applications. If there is an emergency and you cannot repay in time, you can call the bank's customer service hotline to apply for an extension of repayment;

Apply for an increase in the temporary limit. Bank credit card holders can apply to actively increase the temporary limit. The bank will comprehensively assess the limit range that the cardholder can increase based on the cardholder's usual consumption and repayment status. If you frequently increase the temporary limit, the bank will think that the demand for credit cards is relatively strong, so it is not difficult to increase the fixed limit. The temporary limit needs to be paid off in one go, so cardholders should be careful not to incur late payment fees.

Bank credit card application limit increase services are basically based on these methods.

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 possible, 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 have a + ++++It is difficult to raise the quota if it is suspected.

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 previous one but passed the next time, and the record left by insisting on the 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.

That’s it for the introduction of online application for Ping An credit card limit.