How to use the exclusive credit limit of Ping An Bank is as follows:
1. The special credit limit of Ping An Bank can only be used in the Pocket Mall area and designated industries, such as home decoration, aviation Companies, travel agencies, digital home appliances and other industries.
2. This exclusive limit is independent and will not occupy the credit card limit. The limit can only be used for special purposes and cannot be used in other areas.
3. Cardholders can apply for a special quota from Ping An customer service. After approval, the special quota can usually be used by swiping the credit card, and the consumption amount will be automatically amortized.
4. In addition, the exclusive limit of Ping An Credit Card is up to 300,000 yuan. This limit is evaluated by Ping An Bank based on comprehensive factors such as each person's credit situation, repayment ability, economic status, and debt ratio.
5. If you want to increase this limit, it is best to submit more financial proof materials to prove that you have a strong repayment ability.
Rules:
1. The currency of "Special Installment" is limited to RMB. The exclusive quota cannot be used repeatedly within the same validity period and will not be restored with repayment or return. Enjoy the quota.
2. When cardholders activate the "Special Installment" function, they need to make an appointment to set the starting installment amount and number of installments.
3. When cardholders activate the "Special Installment" function, they need to make an appointment to set the starting installment amount and number of installments. The starting installment amount is the starting point for the cardholder to set a single consumption for installment, which is divided into 6 levels: 500 yuan, 1,000 yuan, 2,000 yuan, 5,000 yuan, 10,000 yuan, and 20,000 yuan. The number of installments is 6. You can choose from 4 options: 12 issues, 24 issues, and 36 issues.
4. Customers who have activated the "Special Installment" function can modify the agreed starting installment amount, number of installments or turn off "Special Installment" through the Ping An Pocket Bank APP or customer service from 4:00-23:00 every day. The function takes effect immediately after modification or shutdown.
5. The types of merchants that cardholders can apply for "special installment" can be queried on the special installment page of Pocket Bank APP. Ping An Bank has the right to adjust the types of available merchants from time to time. The system determines whether the cardholder is eligible for "special installment" based on the actual merchant type code corresponding to the merchant at which the cardholder transacts.
6. "Special Installment" supports POS card swiping, chip card insertion, and QuickPass payment methods, but does not support pre-authorized transactions.
Extended information:
Notes
In order to avoid being charged over-limit fees by the bank, some cardholders turn to the bank to apply for a temporary increase in the overdraft limit. The increase rate is usually 10%-20%, and the period is usually one month. After the specified time, the credit card returns to the original limit. Therefore, cardholders must clearly note the period of the temporary limit to avoid overdue credit card repayments.
In addition, you should also pay attention to the over-limit issue of temporarily increasing the limit: if you use an over-limit overdraft in the second half of a month, it is likely that the excess amount will incur over-limit fees. For example, A's credit card overdraft limit is 50,000 yuan. On December 20, he applied to the bank to increase the temporary limit by 30,000 yuan, but he did not use the 30,000 yuan until January 15. By January 20, A's credit card overdraft limit was automatically reduced to 50,000 yuan. In fact, A had an overdraft of 80,000 yuan in January, and the 30,000 yuan in between would generate a 5% over-limit fee.
Therefore, before the credit card overdraft limit is automatically reduced to the original limit of 50,000 yuan, the cardholder should first repay the 30,000 yuan and control the unpaid amount within the overdraft limit of 50,000 yuan. , so you can avoid paying over-limit fees.
Bank financial planners also reminded that in view of the large number of card purchases during the Spring Festival, cardholders should pay special attention to the final repayment date of their credit cards, which is the last day of the interest-free repayment period. Previous repayments were interest-free. If overdue, all consumption payments will no longer enjoy the interest-free repayment treatment. The bank will calculate interest on a daily basis based on the consumption amount as the principal from the day the consumption occurs. The daily interest rate is 0.5%, calculated on a monthly basis. Compound interest will be charged and late payment fees will be charged.
Baidu Encyclopedia-Credit Card