What is the general limit of a Ping An credit card?
First, the limit of a Ping An credit card is generally around 15,000. For a specific individual's credit card limit, the bank will grant the credit limit after comprehensively evaluating the customer's repayment ability based on the customer's income level, occupation, assets and liabilities, and the credit status of other banks.
2. Ping An Bank credit card limit increase standards
1. Temporary limit increase
If the card is opened and used for more than 3 months, the limit increase standard is the fixed limit of the credit card 10%-50% of the credit card limit;
2. Increase the fixed limit
When the card is opened and used for more than 6 months, the "regular" limit increase standard is 20% to 100 of the fixed limit of the credit card %; the "special" limit increase standard is 50-300% of the credit card's fixed limit;
3. Guide to increasing credit card limits of Ping An Bank 1. Use multiple cards, small amounts and multiple transactions, 10-15 purchases per bill , for cards within 5W, the single transaction is controlled within 1,000, and each bill uses about 60% of the limit;
2. Repay the loan in full and on time
While ensuring that you swipe the card more , repay each bill on time and in full to prove the repayment ability;
3. Reasonable installment
Do not actively installment unless the "critical point" of installment has been reached , if the bank takes the initiative to call and ask if installment is needed, it can be divided into 3-6 installments, and it must not exceed 6 installments; (If you don’t know how to look at the critical point, you can ask me alone!)
4. How to swipe a card
First of all, it is the small amount mentioned earlier. Why is it small? Because now POS cannot be chosen by yourself. Small amounts are the safest. If you want to swipe large amounts, you must find a stable direct-connected POS. Otherwise, Once the code is skipped, it will directly cause the credit card to be reduced;
Secondly, be sure to choose a regular POS, what kind of MPOS, POS without a payment license, POS that does not issue receipts, and POS that does not meet the standard rate , eliminate them all, don’t lose big for small things. 5. Creating Attention
Ping An is a bank that started out as an insurance company, so the easiest way is to buy insurance from Ping An to increase attention. However, you don’t need to buy a large amount of insurance. Small insurance can be used, which not only increases attention, but also ensures the stability and limit increase of the credit card. There is also the savings card turnover, which must be done, even if it is deposited and withdrawn at a fixed time every month.
What is the maximum credit limit of Ping An Bank?
Currently, the credit card limit of Ping An Bank generally ranges from 3,000 yuan to 50,000 yuan, so the maximum limit is 50,000 yuan. The limit of Ping An Regular Card is generally between 3,000 and 10,000 yuan, and the limit of Ping An Gold Card is between 10,000 and 50,000 yuan. The cash withdrawal limit of Ping An Credit Card can reach up to 100% of the actual limit.
Temporary limit adjustment for Ping An Bank credit card. When using a Ping An Bank credit card, if you find that the approved credit limit is not enough and you need to increase the credit limit, you can apply for a temporary increase in the credit limit. The increased temporary credit limit will be automatically restored to the original limit after the validity period.
Tip: After the temporary credit limit expires, an over-limit handling fee will be charged for the portion actually used that exceeds the credit limit. The over-limit handling fee is charged at 5% of the over-limit portion, and there is no maximum or minimum fee limit.
Ping An Bank credit card long-term limit adjustment cardholders can submit the latest financial income certificate and apply for any Ping An Bank branch, and Ping An Bank will make the adjustment based on their past card usage history, repayment records, etc. Review, and after passing the review, the credit card limit will be appropriately adjusted for the cardholder.
If you are a financial management customer of Ping An Bank, you need to hold it for more than 3 months and the amount reaches 200,000, or you need to hold it for more than 1 month and the amount reaches 400,000. You need to submit an application form, ID card, and the original or copy of the personal banking receipt for purchasing our bank's financial products, funds, and treasury bonds.
If you are a savings deposit customer, you need to open an account with Ping An Bank in all passbooks, deposit receipts, and fixed-term savings deposits in local and foreign currencies under debit cards. The foreign currencies will be included in the total value after being converted into RMB. The account opening period is 3 months Above and the average daily amount reaches 200,000.
If you are a life insurance customer and a car owner, you need to have your own private car with a price of more than 150,000 yuan, a life insurance policy held for more than 3 months, and a premium of 15,000 yuan.
If you are a customer of Ping An Property & Casualty Insurance's auto insurance, you need to have a vehicle worth more than 200,000 yuan and the auto insurance policy attribute is the insured's vehicle. You also need to submit an application form, ID card, driving license, and auto insurance policy number. . If you are a Ping An Life policy holder, you need to hold a valid long-term insurance policy of Ping An Life for more than 3 months with a premium of RMB 15,000.
Which credit card limit of Ping An Bank has the highest limit?
The credit card limit has nothing to do with the card type.
The credit card limit is finally issued based on a comprehensive assessment of all aspects of the information provided by the customer. There will be many factors taken into consideration, such as the customer’s work nature, education, income, personal stability, and personal society. Credit, usage of other financial products and other aspects.
According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards.
Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits.
Cards are issued to those with high credit, strong repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.
Generally speaking, if you apply for a Ping An Bank credit card for the first time, you should only be able to apply for a regular card, and the credit limit is about 3,000 yuan to 10,000 yuan. Of course, if your financial strength, credit standing, and status are relatively good, you can apply for a gold card with a higher credit limit.
The credit card limit is not fixed, but can be intelligently adjusted based on the card usage records. Don’t be discouraged if your first-time credit limit is low. You can increase your credit limit by maintaining good card usage habits.
If you have used the card for more than one year and have a good credit record, the bank will increase your credit record. This is related to the income and property certificates you provide when applying for the card. When you need to use a large amount of funds, you only need to call in advance to apply, and the temporary limit can be increased to meet emergency needs.
Extended information:
Relevant requirements for credit cards:
1. When the card-issuing bank receives the cardholder’s objection to credit card collection, it shall promptly report to the relevant Make a note on the credit card account and carry out verification processing.
2. The acquiring bank shall identify the leading management department of the acquiring business and assume the responsibilities of coordinating the review of special merchant qualifications, registration management, equipment management, advance fund management, risk management, emergency response, etc.
3. Credit card collection letters should fully disclose the following basic information to the cardholder: cardholder’s name and balance, reasons for collection and relevant laws and regulations, cardholder’s relevant rights and obligations, account status inquiry, Ways to repay, raise objections and provide relevant evidence, contact information of the card-issuing bank, relevant business seals, and other content specified by the regulatory agency.