How long it will take to recover if the number of Ping An Bank credit cards exceeds the limit needs to be judged based on the reasons for the limit limit. As long as the number of card swipes in a single day reaches the bank's consumption limit, if transactions are restricted on that day, it can usually be restored after the number of times is cleared at zero o'clock the next day. If the number of card swipes exceeds the limit in a single month, you have to wait until the 1st of the next month. If the credit card limit is exceeded because the bank has risk control and is not allowed to swipe the card again, it will not be so easy to recover.

How many times has Ping An exceeded the credit limit?

The over-limit limit refers to the credit limit other than the credit card. After the customer agrees to activate the card service beyond the credit limit, the over-limit limit is the original credit card limit. 10% of the quota. Only after the user authorizes and adds the limit, the bank will open it for the customer.

The over-limit limit of a credit card can be used repeatedly. It can be used once a month and will be automatically restored after the due payment date.

It should be noted that after the credit card limit is used up, the cardholder will not enjoy the interest-free repayment period service. For the excess of the credit card limit, a certain amount of over-limit fee will be paid. The over-limit fee of Ping An Bank is 5% of the excess amount will be charged, and there is no limit.

1. Generally, Ping An Bank requires each cardholder to apply for a limit increase after using the card for 6 months. If you can't wait for such a long time, you can apply for a temporary quota first. Relatively speaking, Ping An Bank's temporary quota is easy to apply for.

2. Swipe more cards and diversify consumption. I believe this is applicable to every bank, but the amount of consumption should not be too large. As long as you swipe your card more times, the limit will naturally increase quickly.

3. When talking about Ping An Bank, we have to talk about Ping An Insurance. According to the experience of netizens, purchasing Ping An Insurance can help to increase your limit, especially Ping An Life Insurance. Life insurance is very helpful in increasing your limit. helpful. Applying for a Ping An loan after applying for Ping An Life Insurance is also very fast, and it will be easier to get approved if it is not easy to apply.

How many times can the over-limit limit of Ping An Bank’s credit card be used?

If you selected the over-limit option when activating your credit card, congratulations. After you use up your credit limit, Consumption is still possible. However, there are requirements for exceeding the limit, whether it is the amount or the number of times.

The credit card over-limit limit means that in addition to the credit limit approved by the bank, if the customer agrees to activate the card service beyond the credit limit, the over-limit limit can be increased by 10% of the original credit limit. There are two prerequisites here, one is consent to authorization, and the other is quota limit.

The over-limit limit of a credit card can be used continuously, of course, once a month, and it will be restored immediately after your repayment date.

In addition, according to the "Ping An Credit Card Articles", when the cardholder uses the card in excess of the credit limit, he will not enjoy the interest-free repayment period. For the portion exceeding the credit limit, a certain proportion of the excess shall be paid on a monthly basis. Limited fees and no minimum repayment benefits. The over-limit fee for Ping An Credit Card is 5% of the over-limit amount, and there is no minimum or maximum limit. This means that you will have to pay a lot of handling fees for exceeding your limit, and there is no limit.