1. The limit of Ping An Credit Car Owner Card is 5,000. Can I apply for a loan? How much money can I borrow...

Can I get a loan? Where are you from?

2. How to calculate the principal of the Ping An Car Owner Card

The calculation method of the principal of the Ping An Car Owner Card: the total loan amount minus the loan time multiplied by the interest and the principal. Ping An Credit Card Car Owners Card is a credit card product launched by Ping An Bank for private car owners. It has the basic functions of ordinary credit cards. The main advantage of the Ping An Credit Card Car Owner Card is the 1.1 million yuan accident insurance protection for all vehicle occupants. In addition, you can enjoy a 12% discount on refueling and free roadside assistance nationwide. The Ping An Credit Card Car Owner Card can be applied at the counter of Ping An Bank's branch, or you can apply by yourself through Ping An Bank's official website.

3. Why is the Ping An Car loan not credited to the car owner’s card?

It is because the loan is issued through entrusted payment.

1. According to Article 24 of the "Interim Measures for the Administration of Working Capital Loans": Before issuing a loan, the lender shall confirm that the borrower meets the withdrawal conditions stipulated in the contract, and shall entrust the borrower through the lender in accordance with the contract. Manage and control the payment of loan funds through payment or the borrower's own payment, and supervise the use of loan funds according to the agreed purposes.

2. Lender entrusted payment means that the lender pays the loan through the borrower's account to the borrower's transaction partner that meets the purpose stipulated in the contract based on the borrower's withdrawal application and payment entrustment.

3. According to Article 27 of the "Interim Measures for the Management of Working Capital Loans": If the lender is entrusted to pay, the lender shall review the payment listed in the payment application provided by the borrower based on the agreed loan purpose. Whether the object, payment amount and other information are consistent with the corresponding business contract and other supporting materials. After review and approval, the lender shall pay the loan funds to the borrower's transaction partner through the borrower's account.

4. According to Article 26 of the "Interim Measures for the Management of Working Capital Loans": In principle, the lender's entrusted payment method should be used for working capital loans under any of the following circumstances:

(1) A newly established credit business relationship with the borrower and the borrower’s credit status is average;

(2) The payment object is clear and the single payment amount is large;

(3) Other circumstances determined by the lender.

Baidu Encyclopedia-Interim Measures for the Management of Working Capital Loans