The installment payment business of Ping An Bank's credit card "special consumption reserve" (hereinafter referred to as "special consumption reserve") refers to the cardholder's application for a sum of money from our bank (only the main cardholder can apply, but the supplementary cardholder can't, and the following "cardholders" all refer to the main cardholder) to meet his own consumption demand and repay the principal and a certain amount of handling fee by installments.
The special reserve for consumption is only applicable to the main cardholders of Ping An Bank Credit Card, and the customers in the designated list are invited by the outbound marketing specialist of Ping An Credit Card.
Extended data
I. Business characteristics
1. Personalization: Cardholders can choose to apply for six issues, 12, 18 or 24 issues, with a minimum application amount of 2,000 yuan and a maximum application amount of 300,000 yuan. (The number and amount of specific application periods are subject to the application confirmation information on the website. )
2. Convenient application: cardholders can apply directly through credit card online banking, pocket banking and telephone;
3. Quick audit: feedback the audit results in real time. Once the bank approves the cardholder's application, it will transfer the money to the cardholder's credit card account within two natural days after the hesitation period.
Second, a warm reminder
1. The currency of "special consumption reserve" is limited to RMB, and the application amount must be an integer multiple of 1000 yuan, with a minimum of 2,000 yuan and a maximum of 300,000 yuan.
2. The specific number and amount that the cardholder can apply for shall be subject to the actual online situation.
3. After the application is approved, the number and amount of the application shall not be changed.
4. If the cardholder applies to pay off the outstanding installment balance in advance, he must pay off the outstanding installment balance in one lump sum after the approval of our bank, and the outstanding handling fee will be charged at 3% of the principal settled in advance.
5. The principal amount and handling fee payable recorded in the "special consumption reserve" for each period will not participate in the credit card points plan.
6 "special reserve fund for consumption" can only be used for personal or family consumption and cannot be withdrawn. After the deposit arrives, it will give priority to offset the current debt of your credit card. The principal and handling fee of each installment will be fully included in the minimum monthly repayment amount and will occupy the cardholder's available credit card account. The cardholder notifies the repayment according to the credit card statement and SMS. If the repayment is overdue or insufficient, the corresponding interest and liquidated damages will be charged.
7. No matter whether the "special reserve fund for consumption" is used or not, the handling fee is normally charged according to the successful application amount.
8. The repayable principal amount and handling fee of the "special consumption reserve" recorded in each installment shall not participate in other installment business of the Bank.
9. If the cardholder's credit card is cancelled, frozen or delayed during the installment payment of the "special consumption reserve", or the bank thinks that there is a risk that the cardholder may be unable or unable to handle this business, the bank has the right to ask the cardholder to pay off the remaining principal and the remaining unpaid handling fee at one time.
10. The above prices are temporary prices for our quality customers. Within the scope permitted by law, the bank reserves the right to modify the terms of this business and notify the cardholder in the way agreed with the cardholder in the Ping An Credit Card Collection Contract.
Reference: China Ping 'an-special reserve for consumption.