The handling fee for Ping An Jintong Card is non-refundable. Ping An Jintong Card is a high-end credit card issued by Ping An Bank. You can apply for it with credit. No mortgage guarantee is required. Only UnionPay single-currency cards are issued. The account is independent. It does not share the limit with other credit cards of Ping An Bank. The card limit is basically 3 Ten thousand to about 70,000. There is a handling fee for Jintong Card transactions, which is currently 1.5. There is no charge if you do not use it. It can provide an interest-free period and flexible use of funds, similar to an emergency backup card, to meet the urgent need for funds.