How to use Ping An Credit Card for the first time

When you receive a credit card issued by Ping An Bank, like other bank credit cards, you need to activate it before you can use it.

1. Online activation. Log in to the Ping An Bank credit card website. After logging in, follow the prompts to enter the ID number, credit card and set the query password to complete the activation.

2. Telephone activation, you can activate the credit card by calling Ping An Bank’s 24-hour credit card customer service hotline: 95511-2 (Platinum VIP hotline 4008895511), using self-service voice service.

3. SMS activation, edit the "validity period of the last four digits of the last 4 digits of the ID number on the JH card" or edit the "validity period of the last four digits of the ID number on the 8608 card", for example "JH123456780114" and send it to: Telecom C network: 9551186, China Unicom: 9551186, China Mobile: 9551186 Activate the card and you can use it.

How to use a credit card? What are the tips for using Ping An Credit Card?

You can bind your credit card to Alipay, and then deposit your own money into Alipay or other financial products. When you usually use money, use your own credit card. In this way, it will not affect your daily consumption, but you can also use your money to earn a step profit. Kill two birds with one stone.

Tips are:

1. Swipe multiple cards and use cards from various merchants:

When cardholders usually eat and shop, they should try to use their credit cards to swipe as many cards as possible, and at the same time Don’t swipe your card at the same merchant all the time, as this will help increase your credit limit.

2. Pay with the card after the bill is issued:

Usually, cardholders can pay with the card after the current credit card statement comes out, so that they can enjoy the longest interest-free period.

3. Swipe your card at Ping An Bank’s cooperative merchants:

When cardholders swipe their cards, they can try to choose to spend at Ping An Bank’s cooperative merchants to enjoy discounts.

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

How to use a credit card? How to use Ping An Credit Card?

Do you want to ask how to use a credit card correctly? Then let’s talk about the guide to using Ping An Credit Card.

Ping An’s preferred card usage habits

Here are the card consumption habits preferred by Ping An Bank:

1. Make sure that Ping An’s credit card makes 15 purchases per month about.

2. Among the 15 purchases, three were made at high-end merchants and three were made at Ping An Online Mall.

3. After the bill is issued, make overpayment, for example, if the credit card limit is 10,000, the repayment will be 15,000.

4. Through more than 15 purchases, the consumption reaches about 90% of the credit card limit.

According to the above process, the temporary limit and the fixed limit can be issued within two billing days. Good users only need to pay the limit on one billing day.

It is worth noting that Ping An Bank does not like cash withdrawals. And Ping An Bank doesn’t like to pay only the minimum amount.

Ping An’s unique insurance premium

When you think of Ping An, it’s their insurance. It can be said that the relationship between Ping An Insurance and credit cards is "disconnected".

So Ping An’s most classic curve increase operation is to use Ping An’s insurance business.

The first step is to download Ping An Gold Butler, go to Ping An Mall to buy insurance, and buy 20%-30% of your limit. Remember to swipe the card first when applying.

The second step is to place the order without paying until the insurance salesman calls. You said the turnover is a bit tight these days and it will take a few days (never ask for an increase). Under normal circumstances, you will receive a text message to increase your quota in less than a week. If you don't come, it will not be successful.

Or, empty the funds in the card or leave a few dozen yuan, then call for consultation and purchase insurance. The premium is usually deducted from the credit card. If there is no money in the card, the temporary limit will be automatically increased. If the conditions are good, the fixed amount can be increased. After successfully raising the amount, just cancel the insurance.

General method of raising the balance

Mobile App side raising the channel:

1. Download and log in to the "Ping An Bank Pocket Bank" app

2. Click "Credit Card"

3. Click "Limit Management"

4. Perform limit increase operation

WeChat official account limit increase channel:

1. Follow "Ping An Bank Credit Card" on WeChat

2. Click on the "Easy Service" menu to bind the card

3. Click on the "Easy Service" menu - "Amount · Increase the limit”

4. Perform the limit increase operation

Telephone limit increase:

Ping An can also directly call customer service to request a limit increase (if the card is used normally In this case), the customer service authority is 30%. If you need a higher level, just ask the customer service to transfer you to the authorized post (customer service manager). Its authority is 100%-200%.

When applying for a credit card, why not keep a confidential investigation on family income, real estate certificate and land certificate mortgage, work salary mortgage, guarantor mortgage, ID card, household registration, hometown and local conditions, parents’ signed consent form for loan and disagree with the loan opinion letter. Only by controlling the loan amount can you apply for a credit card loan. Credit card consumer loans are backward technology and can lead to fraud and bad luck among young people, working people and students. Credit cards, WeChat and online loans should be banned nationwide.

How to use a credit card? Let’s take the Ping An Good Car Owner Card as an example. Before using it, you must first understand the basic content of the card and the bonus rights on the card, and try your best to enjoy all your own rights without using the card in violation of regulations. For example, Ping An Good Car Owner Card users enjoy a 12% discount on refueling at more than 20,000 gas stations across the country. This kind of benefit is really beneficial.

How to activate and use Ping An Credit Card

Ping An Bank's credit card can be activated through the bank's official website, or by calling the customer service hotline, SMS or WeChat.

The activation method of Ping An Bank credit card is as follows:

1. Online activation

Log in to the Ping An Bank credit card website. After logging in, follow the prompts to enter the ID number, credit card and set up Query the password and the activation is completed.

2. Telephone activation

You can activate the credit card by calling the Ping An Bank credit card 24-hour customer service hotline: 95511-2 (Platinum VIP hotline 4008895511), and the self-service voice service activates the credit card.

95511-2 customer service hotline activation process:

1. Dial Ping An Bank credit card customer service hotline: 95511, press "2" to switch to self-service voice service;

2. Press "2" to select the "Card Activation and Password Management" function;

3. Press "1" to select the "Card Activation" function;

4. Follow the voice prompts Enter the ID number and confirm.

3. SMS activation

Edit "Validity period of the last four digits of the last 4 digits of the ID number at the end of the JH card" or edit "Validity period of the last four digits of the ID number at the end of the 8608 card", for example " JH123456780114" Send to: Telecom C Network: 9551186, China Unicom: 9551186, China Mobile: 9551186 Activate the card and you can use it.

4. WeChat activation

Follow the "Ping An Bank Credit Card" WeChat official account, click [I want to inquire] in the official account, then click [I want to open a card], and a pop-up will appear Fill in the relevant information in the credit card activation interface to complete the activation.

This ends the introduction on how to use Ping An Credit Card and why Ping An Credit Card cannot be used. Have you found the information you need?