How to use Ping An Bank's credit card

Ping An Bank's credit card use methods include credit card swiping, cash withdrawal and online payment.

1. Ping 'an credit card swiping skills: the number of swipes per month is more than 3, the consumption amount accounts for 3% of the credit limit, and the credit card limit is not cashed out with the POS machine of bad merchants;

2. Ping An Bank's credit card can be withdrawn at any ATM with UnionPay logo in China.

Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and renamed it Shenzhen Ping An Bank. In addition to the basic functions of credit card such as credit consumption and cash advance, it also has many unique functions, providing cardholders with all-round security protection covering "safe consumption, safe home and safe travel". Ping An Bank Credit Card Center was established in 2, and settled in Qianhai, Shenzhen in 215. It has been upgraded to a credit card franchise with second-class legal personality and relatively independent operation. As of November 218, the number of circulation cards has exceeded 5 million. Ping An Bank is one of the main business departments of China Ping An Group and an important part of the comprehensive financial service platform of China Ping An Group. As a cross-regional joint-stock commercial bank, Ping An Bank has a registered capital of 5.461 billion yuan and total assets of over 13 billion yuan. Its head office is located in Shenzhen, and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.

functional guarantee of ping an credit card:

1. fully guarantee the loss of consumption 72 hours before reporting the loss. if your credit card is lost or stolen, you can apply to our bank for compensation if the loss of stolen credit card occurs within 72 hours before reporting the loss, regardless of whether confidential transactions are set up.

2. Full guarantee of cash loss due to credit card being robbed-if the cardholder is hijacked by gangsters and forced to disclose the credit card password under the cardholder's name under the condition of being threatened by gangsters and seriously threatening his life and health, resulting in the loss caused by the credit card being borrowed in advance by gangsters through ATMs or bank counters, the cardholder may apply to the Bank for compensation.

3. You can choose the transaction password. When you activate the card, the consumption mode we set for you is "signature only". If you choose "signature with password", please call the 24-hour customer service hotline to apply for setting. After the transaction password is set, you can also modify the password through our ATM, CDM deposit machine, 24-hour customer service hotline or visit our credit card website.

4. Home security. All credit card holders of Ping An Bank can enjoy the security of family property theft and emergency rescue. As long as they activate their cards and successfully swipe their cards once (unlimited amount), they can get free insurance against family property theft and malicious damage to doors and windows locks, and gold card holders can also get cash and gold, silver and jewelry theft and emergency rescue to protect your home security.

5. Worry-free travel protection. As long as you use your Ping An Bank credit card gold card, you can pay 1% of the passenger air ticket for the current flight (not limited to domestic and international flights) or pay more than 8% (including 8%) of the tour fare (including air transportation mode), you can get the aviation accident insurance protection of up to 2 million yuan.

How to swipe Ping An Credit Card

Ping An Bank debit card POS swipes, and the bank does not charge a handling fee. The credit card limit:

1. In China and Hongkong, China, the single limit is 1 million yuan, and the daily cumulative limit is 5 million yuan;

2. China and Macau: the single limit is 5, yuan, and the daily cumulative limit is 1 million yuan;

3. Taiwan Province, China and outside China:

① Transaction limit of UnionPay channel: a single limit of 1 million yuan, and a daily cumulative limit of 5 million yuan;

② the transaction limit of MEASTER channel: the single transaction limit is USD 5, or equivalent in foreign currency, and the single and cumulative cash withdrawal transaction limit on the same day does not exceed USD 1,, with no limit on the number of times.

Tips: If the credit line of UnionPay POS is insufficient, you should contact Ping An Bank at 95511-3 to apply for upward adjustment manually, with a single limit of less than 1 million yuan (excluding) and a daily cumulative limit of less than 5 million yuan (excluding).

Response time: June 16th, 221. Please refer to the latest business changes announced by Ping An Bank in official website.

[ I know Ping An Bank] Want to know more? Come and see "I know Ping An Bank" ~

How to swipe Ping An Bank's credit card?

1. It's best to brush it while returning it, and 3% of it will be returned. Wait until the amount returned is brushed out before returning it. That is to say, you will not be given the opportunity to reduce the amount, because according to the rules of Bank of Communications, if the repayment amount exceeds 5%, it will trigger the amount reduction system, and if the repayment amount exceeds 1%, it will trigger the card sealing system (risk-controlled card)

2. The repayment amount should be as low as possible, and it is best to control it below 3% of the bill amount.

3. The risk control of safety is reflected in whether there is a reserve fund.

The essence of Ping An Reserve Fund is a credit card loan with installment payment, which can be used for personal or family expenses. For example, if you have a large amount of expenses recently, you can apply for a reserve fund. After the application is successful, you can automatically pay by installment, and then you can take the overdraft card and cancel it in the POS machine.

Ping An reserve fund cannot be withdrawn, otherwise it is likely to be subject to bank risk control. If the financial institution finds that the main purpose of your reserve fund is abnormal, it is likely to submit a consumption certificate to you. If the infectious certificate cannot be taken out, Ping An Bank credit card will retrieve your reserve fund credit limit and let you repay the loan in advance in one lump sum with the installment fee.

Ping An Reserve Fund is the installment repayment business process of Ping An Bank's credit card, and the application of repayment is of course carried out by installment payment. However, in the case of loan repayment, in addition to paying the cost, you must also pay a certain service fee.

Ping An Reserve Fund can be divided into 6 installments, 12 installments, 18 installments and 24 installments, so you can choose your own installment, and then repay the loan according to the installment.

Ping An Bank's reserve fund is actually a small emergency fund specially provided for customers with Ping An credit cards. After receiving the Ping An consumer reserve fund, customers can use it for daily credit card swiping and online payment (it will take precedence over the credit line of the credit card after reaching the credit card account), and it can also be used to offset the bills already issued. However, Ping An consumer reserve fund cannot be withdrawn, transferred or recycled. If you want to make a large transaction, you have to call Ping An Bank's customer service hotline 95511 in advance to open a single large consumption. You also need to note that after the Ping An consumer reserve fund arrives, no matter whether the customer uses it or not, the fixed principal and handling fee will be repaid monthly from the second month, so the customer had better use it as soon as possible. If you want to apply for the Ping An consumer reserve fund, only the main cardholder can apply, but the supplementary cardholder can't apply, and the application currency is limited to RMB. The application amount of the reserve fund cannot be higher than 5, RMB, and of course, it cannot be lower than 3, RMB.

How to use Ping An Credit Card for the first time

After you receive the 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 on to the credit card website of Ping An Bank, enter the ID number as prompted after logging in, and set the inquiry password for the credit card to complete activation.

2. Telephone activation. You can activate your credit card by calling Ping An Bank's 24-hour customer service hotline: 95511-2 (Platinum VIP line 48895511) and self-service voice service.

3. SMS activation. Edit "the last four digits of the certificate number of JH card" or "the last four digits of the certificate number of 868 card". For example, "JH12345678114" is sent to: Telecom C Network: 9551186, China Unicom: 9551186, and China Mobile: 9551188.

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

you mean how to use credit cards correctly? Then talk about the card strategy of Ping An Credit Card.

Ping An's preference for using credit cards

Here is a recommendation for Ping An Bank's preference for spending credit cards:

1. Ensure that Ping An credit cards spend about 15 times a month.

2. Of the 15 purchases, three were made by high-end merchants and three were made in Ping 'an Online Mall.

3. after the billing date, make excessive repayment, such as credit card limit of 1, and repayment of 15,.

4. With more than 15 purchases, about 9% of the credit card limit is spent.

according to the above process, the temporary limit and the fixed limit can be issued after two billing days. Good users only need one billing day to make a quota.

It is worth noting that Ping An Bank doesn't like to withdraw cash either. Then Ping An Bank doesn't like to pay only the minimum amount.

Ping An's unique insurance premium

Thinking of Ping An is his family's insurance. It can be said that the relationship between Ping An Insurance and credit card is "broken".

So Ping An's classic curve withdrawal operation is to use Ping An's insurance business.

Step 1: Download Ping An Gold Manager, go to Ping An Mall to buy insurance, and buy 2%-3% of your own quota. Remember to swipe your card first when applying.

Step 2: Don't pay after placing the order. When the insurance salesman calls, you say that the turnover is a little tight these days, and it will take a few days (never ask for an amount increase). Under normal circumstances, you will receive a short message in less than a week. If you don't come, you won't succeed.

or, you can empty your card or leave a few tens of dollars, and then call for advice and buy 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 limit can be increased. Just return the insurance after the withdrawal is successful.

General withdrawal method

Withdrawal channel of mobile App:

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

2. Click on Credit Card

3. Click on Line Management

4. Carry out withdrawal operation

WeChat WeChat official account withdrawal channel:

1. Click "Easy Service" menu-"Quota and Withdrawal"

4. Withdrawal operation

Withdrawal by phone:

Ping An can also directly call customer service to ask for withdrawal (under the condition that the card is used normally), and the customer service authority is 3%. If it is higher, directly ask the customer service to transfer you to an authorized post (customer service manager), and its authority is 1.

why don't you apply for a credit card to investigate the family income, the mortgage of real estate license and land certificate, the mortgage of working salary, the mortgage of guarantor, ID card, registered permanent residence, hometown and local conditions, the parents' signed consent letter, the loan and the opinion letter of disapproval. Only by doing credit card loans can we control the amount of loans. Credit card through consumer loans is backward technology, which leads to cheating and bad young people, part-time workers and students. Credit cards and WeChat and online loans should be banned nationwide.

how to use a credit card? Let's take Ping 'an Good Car Owner Card as an example. Before using it, we should first understand the basic contents of the card and the attached rights and interests on the card surface, and try our best to enjoy all our own rights and interests without violating the rules. For example, users of Ping An Good Car Owner Card enjoy a 28% discount when they refuel at more than 2, gas stations across the country, and this right is affordable.

how to use Ping An Bank's credit card

The function of credit card is overdraft consumption, so the most cost-effective usage is naturally credit card consumption. The premise is to master the correct method of swiping cards and swipe cards at the right time, which can bring many benefits.

Ping An Insurance Credit Card is a very good credit card. Apart from credit card consumption, its biggest feature is that it can provide cardholders with all-round insurance protection and its 72-hour loss reporting protection, which makes many people feel more at ease in the process of using the card.

Shopping with Ping An Insurance Credit Card is the most cost-effective, which usually means grasping the best time to swipe your card. Ping An Credit Card can enjoy an interest-free period of 18-5 days, with a difference of 32 days between the longest and the shortest. Usually, the interest-free period of a credit card is affected by three factors, one is the credit card date, the other is the billing date, and the other is the final repayment date.

it is the most cost-effective if you swipe your card on the day after the bill date, because you can enjoy the interest-free period of up to 5 days, while swiping your card on the day of the bill date can only enjoy the interest-free period of 2 days. You should understand here. Mastering the best credit card time can get a longer interest-free period.

so much for the introduction of how to swipe Ping An Credit Card.