Ping An Bank will score according to the card usage in recent months:
1, frequency of consumption. Credit cards are used according to the actual needs of customers. Although there is no mandatory requirement for the number of swipes per month, generally speaking, the more frequently used, the more helpful it is to evaluate the relative amount.
2. Whether the consumption types are rich, the richer the consumption types, the better.
3. Ping An Bank will also consider whether the monthly bills are repaid on time, whether the monthly bills are fully repaid or only the minimum repayment amount is considered as normal repayment.
Extended data:
According to the Notice on Issuing the Measures for the Administration of Credit Card Business:
Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.
Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.
Thirty-fourth units or individuals to apply for a credit card, should fill in the application form in accordance with the provisions, together with the relevant materials submitted to the issuing bank. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue credit cards.
Article 35 The funds in the corporate card account shall be transferred from its basic account, and shall not be deposited in cash, and the funds and sales income from other deposit accounts shall not be deposited in the corporate card account.
The funds in the personal card account are limited to cash deposits held by individuals or transfer deposits with their wages and other legitimate income belonging to individuals. It is strictly forbidden to transfer unit funds into personal card accounts.
Ping An Bank-Using Credit Card