How to calculate the cash withdrawal fees and interest of Ping An Bank's credit cards

1. The interest of cash withdrawals of Ping An Bank's credit cards:

The interest of cash withdrawals of Ping An Bank's credit cards is based on the amount and time of cash withdrawal. To calculate, cash withdrawal interest will be charged daily at a daily interest rate of 5/10,000 from the time the withdrawal amount and cash withdrawal handling fee are incurred, and compound interest will be charged monthly until the cash withdrawal amount is paid off in full. Suppose the cardholder uses a credit card to withdraw 10,000 yuan in cash and repays it after 7 days, the cash withdrawal interest = 10,000*0.05%*7=35 yuan.

2. Ping An Bank's credit card cash withdrawal handling fee:

Ping An Bank's credit card cash withdrawal requires a handling fee based on a certain proportion of the withdrawal amount, which will be incurred on the day after the cash advance transaction date. Domestic cash withdrawals are charged a handling fee of 2.5% of the cash withdrawal amount, with a minimum of RMB 25 per transaction; overseas cash withdrawals are charged a handling fee of 3% of the cash withdrawal amount, with a minimum of USD 3 yuan per transaction.

Extended information:

How to withdraw cash with Ping An Bank credit card

1. Withdraw cash from ATM:

1. Within the country, you can Use the ATMs of Ping An Bank or other banks with the UnionPay logo to withdraw RMB cash with your credit card and transaction password;

2. Overseas, you can withdraw RMB cash from ATMs with the same logo as the card (UnionPay, VISA, MasterCard or JCB) ATM machine, you can withdraw local currency with your credit card and transaction password.

2. Withdraw cash at bank counters:

1. In China, you can withdraw RMB cash at the counter of any Ping An Bank branch with your credit card and transaction password;

2. Overseas, you can withdraw local currency with a valid ID and credit card at a bank counter with the same logo as the card (UnionPay, VISA, MasterCard or JCB).

Ping An Bank - Cash Installment Ping An Credit Card Cash Withdrawal Fees and Interests

Ping An Credit Card Cash Advance Handling Fees

1. Domestic 2.5%, minimum 25 yuan/

2. Overseas: UnionPay 3%, minimum 40 yuan/pen;?

3. Overseas: Master, JCB, Visa 3%, minimum 5 USD/pen. ?

The above fees are charged when the cardholder borrows cash in advance or fails to repay in full. ?

Interest and handling fees for credit card cash withdrawal

1. Cash withdrawal handling fee: A handling fee is charged based on a certain proportion of the withdrawal amount and will be generated from the day after the cash advance transaction date. (For charging standards, please refer to "Ping An Bank Credit Card Charging Standards" and "China Ping An Wanli Tong Co-branded Credit Card Charging Standards").

2. Cash withdrawal interest: From the time the withdrawal amount and cash withdrawal handling fee are incurred, it will be charged daily at a daily interest rate of 5/10,000, and compound interest will be charged monthly until the cash withdrawal amount is paid off in full (charges apply For standards, see "Ping An Bank Credit Card Charging Standards" and "China Ping An Wanli Tong Co-branded Credit Card Charging Standards").

3. Cash withdrawal transactions do not enjoy the interest-free period, and interest and handling fees must be paid.

Extended information:

Liquidated damages: When the overdraft principal does not exceed 20 yuan or 3 US dollars, liquidated damages are charged based on the overdraft principal; when the overdraft principal exceeds 20 yuan, liquidated damages are charged 5% of the unpaid portion of the minimum repayment amount is charged, with a minimum of RMB 20 or USD 3.

Credit card holders use credit cards to withdraw cash through self-service terminals such as ATMs. Although you can use credit cards to withdraw cash, do not use the cash advance function in non-emergency situations, because using the credit card cash advance function The price is high.

1. There is no interest-free repayment period for using a credit card to withdraw cash, and interest will be calculated from the day you withdraw cash;

2. The interest rate for cash withdrawals is very high, with a daily interest rate of 0.05%. And it calculates compound interest.

3. The handling fee is very high. The handling fee is more than 1% and is charged in one time. In addition, there are no bonus points for cash withdrawals.

Ping An Bank - Ping An Bank credit card business service sales price catalog (market adjustment price) How to calculate the interest of Ping An Credit Card?

Normally, if the cardholder makes normal consumption and repays, it is No interest is required, only in special circumstances.

The situation is as follows: If you have not repaid in full, for example, you spent 10,000 yuan and only returned 9,900 yuan before the final repayment date, then you need to pay interest on the entire consumption of 10,000 yuan. The interest is calculated. The time is calculated from the recording date of the consumption. Interest is required for using a credit card to advance cash, and interest is calculated from the day the cash advance is borrowed. After using a Ping An Bank credit card for consumption, the payment was overdue.

The interest rate for Ping An Bank’s credit card is 0.5% per day, and compound interest is calculated on a monthly basis. The charging standard for Ping An Bank's credit card cash advance fees does not distinguish between local and remote locations, but only domestic and overseas: domestic 2.5%, with a minimum of RMB 25 per transaction; overseas 3%, with a minimum of USD 3 yuan per transaction. In addition, interest on Ping An Bank's credit card cash advances starts from the day the cash advance is borrowed. The charging standard is a daily interest rate of 0.05%, and compound interest is calculated on a monthly basis.

Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also has Many special functions provide cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel". Ping An Bank Credit Card Center was established in 2000 and settled in Qianhai, Shenzhen in 2015. It was upgraded to a credit card franchise with secondary legal person qualifications and relatively independent operation. As of November 2018, the number of cards in circulation has exceeded 50 million. Ping An Bank is one of the main business departments of Ping An Group of China and an important part of the comprehensive financial service platform of Ping An Group of China. As a joint-stock commercial bank operating across regions, Ping An Bank has a registered capital of RMB 5.461 billion and total assets of more than RMB 130 billion. Its head office is located in Shenzhen, and its business outlets are currently located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou. .

Application conditions: Any natural person who is over 18 years old, has full capacity for civil conduct, has a stable and legal source of income, and has a good reputation can apply to the bank with his or her valid identity document and other documents required by the card issuer. The card issuer applies for the main credit card personal card. 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.