How does Ping An Bank cancel a credit card?

The methods for Ping An Bank to cancel a credit card are:

1. Cancellation at a bank outlet:

Cardholder You can bring your valid ID card to a Ping An Bank branch to cancel the card.

2. Customer Service Telephone Cancellation:

Call Ping An Bank’s customer service telephone number 95511 and select 2 for manual service to apply for credit card cancellation.

Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China. It is one of the 12 national joint-stock commercial banks in mainland China. . The registered capital is RMB 5.12335 billion, with total assets of nearly 1.37 trillion yuan. It is headquartered in Shenzhen, Guangdong Province.

Ping An Insurance (Group) Co., Ltd. of China (hereinafter referred to as "Ping An") and its holding subsidiaries hold a total of approximately 2.684 billion shares of Ping An Bank, accounting for approximately 52.38% of Ping An's shares. The controlling shareholder of the bank. It has 34 branches across China and a representative office in Hong Kong.

In January 2012, Shenzhen Development Bank, the predecessor of Ping An Bank, acquired Shenzhen Ping An Bank, a subsidiary of Ping An Insurance Group. After the acquisition was completed, Shenzhen Development Bank changed its name to the new Ping An Bank and formally established the new Ping An Bank. Open to the public. On June 26, 2019, eight banks, including Ping An Bank, were among the first batch to launch an online enterprise information verification system.

Credit cards are divided into credit cards and quasi-credit cards.

A credit card refers to a credit card in which the card-issuing bank grants the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later.

A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Creditcard, often called a credit card, refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. It has the following features: consume first and repay later, enjoys an interest-free payment period (up to 56 days), and has a minimum repayment amount. Customers can repay in installments if they have overdrafts. Customers need to pay a certain amount of annual fees to the bank they apply for, which differs from bank to bank.

How to cancel Ping An Bank credit card?

Cancellation of a Ping An Bank credit card can be canceled by phone. The cardholder dials the credit code of Ping An Bank: 400824365, press "0" to transfer to a manual call, enter the voucher number to change the job, and explain to customer service how to cancel the card, follow Just follow the specific requirements of customer service. Customer service can complete the entire credit card cancellation work for customers. Or you can go to any branch of the card-issuing bank in person and go to the counter to cancel the card, and just follow the specific requirements of the bank staff.

1. If you no longer use your credit card due to personal reasons, you should cancel it in time to avoid malicious use. For credit cards that have not yet been opened, if the customer does not plan to activate the credit card, the customer also needs to cancel the credit card, otherwise the customer will have to pay an annual fee every year. It is recommended to cancel the credit card promptly within one month after the card is issued, and no later than one year. Most bank counters do not offer credit card cancellation services. Cardholders need to call the bank's credit card customer service hotline to apply for cancellation of the credit card (the 24-hour customer service hotline can be found on the back of the credit card). After a credit card is cancelled, the credit card will enter a six-month freeze period, also known as the risk period (the situation may vary from bank to bank, generally between 45 days and 6 months). There will be no new debts owed by the customer during the freezing period, and the card will be officially canceled after the freezing period.

2. Ping An Bank’s personal credit loan is quite good. Because Ping An Bank's personal credit loans do not require guarantees, the procedures are simple, and the approval speed is fast, it is generally good. To judge whether a credit loan is good or not, you can look at it this way. Comparative applicable conditions: Different banks have different loan application conditions, such as credit status, income, repayment ability, etc. When applying for a loan from a loan company, it mainly depends on the ability to achieve it and personal creditworthiness. Borrowers with debts can also borrow money from banks or loan companies as long as they can provide relevant information.

Compare loan interest rates: Credit loans are relatively low-risk, and loan interest rates from the same bank and in different regions may be different. Compare approval speed: Banks have more procedures and approval times are longer. Loans can be obtained as soon as approximately 20 business days. The loan company's procedures are simple and the approval process is fast. It takes 10 working days to obtain a loan. Compare loan limits.

Operating environment: Honor HJC-AN904.0.0.175, Ping An Pocket Bank 5.4.2

How to cancel Ping An Bank credit card

To cancel the application for Ping An Credit Card If so, the score is mainly divided into two situations:

1. Ping An Bank has issued the card:

If Ping An Bank has passed the review and started the card production stage, the customer will have no choice. If you apply for cancellation again, you can only wait for the card to be mailed to you before applying for cancellation. If the card is not activated and there is no charge, you can also choose to use it without activating it and put it away.

2. The card has not been issued by Ping An Bank yet:

If Ping An Bank is still in the review stage, there is still a chance that the application can be revoked. Customers can call Ping An Bank's customer service hotline 95511, and then be transferred to manual service to propose the idea of ??withdrawing the application to the customer service staff.

If the bank agrees to cancel the application, then there is no need to worry. If the bank does not agree to the application, you can take the first solution and wait until the card is obtained before applying for cancellation.

It is recommended that you do not blindly follow the trend and apply for a credit card. Otherwise, it will be very troublesome to regret it after applying, and then cancel the application and cancel the card.

Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also has Many special functions provide cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".

Ping An Bank Credit Card Center was established in 2000 and settled in Qianhai, Shenzhen in 2015. It was upgraded to a credit card franchise with secondary legal person qualifications and relatively independent operations. As of November 2018, the number of cards in circulation has exceeded 50 million.

Ping An Bank is one of the main business departments of Ping An Group of China and an important part of the comprehensive financial service platform of Ping An Group of China. As a joint-stock commercial bank operating across regions, Ping An Bank has a registered capital of RMB 5.461 billion and total assets of more than RMB 130 billion. Its head office is located in Shenzhen, and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.

How to cancel a Ping An Bank credit card

The method to cancel a Ping An Bank credit card is as follows:

Method 1:

1. Call Ping An Bank on your mobile phone Call the customer service number of the Credit Card Center and select the cancellation service according to the voice prompts.

2. It should be noted that your Ping An Bank credit card must have no outstanding balances in order for the operation to be successful.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 5.5.1

Method 2:

1. Go to the bank counter to cancel the card

2. Bring your ID card and credit card and fill in the card cancellation application form at the counter of Ping An Bank;

3. If the credit card has no outstanding balance or excess deposit after 45 days of processing, the cancellation will be successful;

4. After canceling the Ping An Bank credit card, this article should be cut and discarded to prevent theft. .

Extended information:

1. What are the advantages of Ping An Credit Card:

1. Ping An Credit Card Limit

Ping An Credit Card is divided into regular cards , gold card and platinum credit card. The limit of regular card is generally 3,000-10,000 yuan, the limit of gold card is 10,000-50,000 yuan, and the limit of platinum card can reach more than 50,000 yuan. The credit limit is guaranteed, which is the first advantage of Ping An Credit Card.

3. Ping An credit card application is convenient and the card is issued quickly

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 5.5.1

Applying for Ping An Credit Card can be done through Ping An Bank’s WeChat official account, Ping An Pocket Bank APP, Ping An Credit Card’s official website, etc. Applicants need to meet:

(1) If you are a mainland citizen, you must be 20-65 years old (inclusive), and Hong Kong, Macao, Taiwan and foreigners must be 25-65 years old (inclusive);

(2) Have a stable source of income or a fixed job, and have bank accounts flowing;

(3) Have fixed properties, such as cars, houses, passbooks, etc. These properties will increase the chances of approval of credit card applications Rate. Different credit card types may have their own regulations. You can go to the application page to check the detailed requirements.

3. Ping An Credit Card Swipe Discounts

The biggest advantage of Ping An Credit Card is that its card swipe discounts are very rich. Ping An Credit Card is segmented according to different consumer groups and has designed a wide range of products. credit cards, each of which offers its own exclusive benefits.

How to cancel Ping An Bank credit card?

1. Ping An Bank credit card cancellation process:

1. Dial Ping An Bank customer service hotline 95511 and transfer to manual service for operation.

2. Verify personal information and then apply to cancel the credit card.

3. Customer service will try to retain you, you just need to make sure to log out.

2. Contents related to credit card account cancellation

1. Credit card cancellation and account cancellation are two different concepts. If you want to completely cancel the credit card account, the cardholder needs to explicitly cancel the credit card account to the bank. Otherwise, the bank will generally only cancel the credit card and retain the cardholder's account information. Whether you want to cancel your card or account, you can directly call the bank or go to the bank counter to apply. You generally need to wait 45 days after applying for credit card cancellation, because only when there are no arrears or balances on the credit card account, and there are no negative records such as overdue charges, the bank will officially cancel the card for you. When completely canceling a credit card account, please pay attention to the following points:

2. Pay off the debt in time before canceling the account: all debts must be paid off before canceling the account, and do not cancel the account if the debt has not been settled. Otherwise, the account cancellation is likely to fail;

3. Before canceling the account, you must cancel all credit cards: If you have other credit cards in use at the same bank, you generally cannot cancel the account;

4. After the account cancellation effective time expires, go to the bank to confirm whether the account cancellation is successful: In order to ensure that the cardholder’s account has no outstanding balance when canceling the account, the account cancellation application will generally take effect after 45 days. The person should contact the bank 45 days after submitting the account cancellation application to confirm whether the account has been completely closed.

5. Do not throw away canceled credit cards. Cut the magnetic strips into pieces before throwing them away to avoid being picked up by criminals and causing losses to you. Before canceling a credit card, be sure to ensure that there is no balance in the credit card, neither arrears nor excess deposits. Because once a credit card has a balance, it cannot be canceled.

6. Pay off all outstanding debts promptly. This arrears includes bill arrears and annual fees. If there are still outstanding balances in the card, just cancel the card without hesitation. After the interest is compounded, when the amount reaches a certain amount, the bank will start "debt collection"! Confirm whether to cancel the account after 45 days. Credit card cancellation is usually handled through customer service, but it is not possible to cancel the card successfully at that time. When you propose to cancel the card, the account will enter the pre-cancellation state. Whether the account has been successfully canceled will not be known until 45 working days.

How to cancel Ping An Credit Card if you no longer want to use it

1. To cancel directly, you can call Ping An Bank’s customer service number 95511 credit card hotline, and then transfer to manual service.

Explain to customer service that you need to cancel your credit card. At this time, your personal information will be verified and the credit card will be canceled. Just follow the customer service prompts for verification, which is usually to verify your ID card information and card password.

2. You can also go to a nearby Ping An Bank branch and go through the manual service window to cancel the Ping An Bank credit card. Bring your ID card and the credit card you want to cancel.

1. Customer service will try their best to keep you from canceling your credit card. At this time, your attitude must be very firm. You can find many reasons why you don't want to use your credit card. You don't have to give customer service a chance to refute, and don't be embarrassed. You can find some reasons that cannot be refuted.

2. We need to pay off all the credit card debts before canceling, otherwise we will not be able to cancel. You can use Alipay, Baidu Wallet and other applications with repayment functions to make credit card repayments. After you are clear about it, call customer service to log out.

3. After canceling the card, it is best to destroy the card so that others cannot access your card.

4. Confirm whether to cancel the account after 46 days. Cardholders generally need to call the bank promptly 46 days after canceling the card to confirm whether the account has been cancelled.

This concludes the introduction on how to cancel Ping An Bank credit cards and how to cancel automatic repayment of Ping An Bank credit cards. Don't know if you found the information you need?