How to borrow from Ping An Credit Card

Ping An Credit Card can provide many loans for everyone, such as bill installment, single consumption installment, premium installment, special reserve for consumption and so on. Here, we will talk about how to borrow Ping An credit card loans through the installment of bills and the special reserve for consumption.

bill installment

at present, there are three application methods for bill installment, namely, telephone application, online banking application and SMS application. The specific operation process is as follows:

(1) Telephone application: call Ping An Credit Card customer service to turn to manual operation → apply for bill installment → wait for customer service to verify identity → inform loan amount and term → wait for SMS notification result.

(2) online banking application: log in to ping an credit card online banking → click "installment financing" and select "bill installment" → select the installment bill and installment time according to your own needs.

(3) SMS application: the cardholder receives the invitation SMS of Ping An Credit Card bill installment → confirms the installment amount and installment time → replies to the installment application instruction according to the SMS content.

special reserve fund for consumption

special reserve fund for consumption is a cash loan product provided by Ping An Credit Card for cardholders, with a loan amount of 2,-3, yuan and a loan term of 6, 12, 18 or 24 installments.

the loan process is as follows: log in to ping an credit card online bank → enter "installment financing" and select "special reserve fund for consumption" → fill in the loan amount, term and purpose → enter the transaction password and dynamic SMS password → wait for the audit result of ping an credit card system.

Can Ping An Bank lend money?

Yes, Ping An Bank has launched unsecured credit loans, as well as mortgage loans and mortgage loans for houses and cars. Different loan application conditions and requirements are different. Whether it can be approved successfully is evaluated according to your comprehensive qualifications.

Ping An Bank, the full name of which is Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd. and one of the 12 national joint-stock commercial banks in Chinese mainland. With a registered capital of RMB 5,123.35 million and total assets of nearly RMB 1.37 trillion, it is headquartered in Shenzhen, Guangdong Province.

China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An") and its holding subsidiaries hold about 2.684 billion shares of Ping An Bank, accounting for about 52.38%, and are the controlling shareholders of Ping An Bank. There are 34 branches all over China and representative offices in Hongkong.

In January p>212, 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 was renamed as the new Ping An Bank, and the new Ping An Bank was formally opened for business. On June 26, 219, eight banks, including Ping An Bank, launched the first batch of enterprise information networking verification systems.

In retail business, Ping An Bank of Shenzhen was the first in China to launch a composite electronic debit card integrating IC chip and magnetic stripe, and the first to launch a dual-currency international debit card. In August, 27, a comprehensive service product, Jixiang Debit Card, was grandly launched, which integrates deposit and withdrawal, POS consumption, payroll payment, online payment and financial management. Ping An Bank of Shenzhen has also launched special service products such as Express, Express Rail and Hong Kong Express. In addition, following the launch of "Yingfeng" series of wealth management products, Ping An Bank of Shenzhen launched a brand-new wealth management service brand of "Anying Wealth Management" for high-end individual customers, so that VIP customers of the bank can enjoy all-round wealth management value-added services with peace of mind.

In terms of credit card business, Shenzhen Ping An Bank attaches great importance to credit card business. On May 21st, 27, it jointly launched "China Ping An Wanlitong Co-branded Credit Card" with China Ping An Group. In August 27, the "Ping An" credit card was launched. Shenzhen Ping An Bank is committed to creating a "safe" credit card, providing cardholders with all-round security protection of "consumer safety, home safety and travel safety", so that cardholders can feel "one card is accompanied by peace" anytime and anywhere.

can I borrow money from ping an credit card?

ping an bank loan is reliable. Ping An Bank is a commercial bank established with the approval of CBRC and can carry out loan business, and it is a reliable loan bank.

As one of the 12 national joint-stock commercial banks in mainland China, Ping An Bank's loans are naturally completely reliable. At present, Ping An Bank's loan business ranges from personal unsecured credit loans to mortgage loans, car loans and personal small consumer loans. As a fully formal bank, everyone can use the loans with confidence.

Ping An Bank, the full name of which is Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and is one of the 12 national joint-stock commercial banks in Chinese mainland, headquartered in Shenzhen, Guangdong Province. Formerly known as Shenzhen Development Bank, it is the first publicly listed national joint-stock bank in China.

The personal or family consumption loan business guaranteed by insurance company launched by Ping An in China does not need mortgage, but it can only be handled after being audited by the insurance company and having repayment ability, which is equivalent to being guaranteed by Ping An Group. Lenders should pay the insurance premium to Ping An Group in one lump sum after getting the loan, and the bank interest and monthly repayment amount will be deducted regularly every month.

It's impossible to borrow money from a bank without collateral, but Ping An Group's new "credit guarantee insurance" has solved this problem. Lenders have no collateral, and banks are worried that customers can't pay back the money and can't control the risks. Therefore, banks hand over the risk management to Ping An to check the customer's information. If Ping An verifies that the applicant has sufficient repayment ability, it will sign a "credit guarantee insurance" policy with customers.

It can be said that the threshold of this loan product is the lowest among all platform loans, and its functions are relatively comprehensive. Some platforms are difficult to approve if they have loan records before, but they can continue to lend at Ping An Bank. No matter whether you have paid a monthly mortgage or used a housing provident fund loan before, you can pass the loan approval again, and all the approvals are online. As long as the conditions are qualified, you can lend quickly, which is particularly convenient.

How to borrow Ping An Credit Card

Ping An Credit Card loan method is divided into bill installment and special reserve fund for consumption.

1. The billing stages

are telephone application, online banking application and SMS application respectively. The specific operation process is as follows:

1. Telephone application: call Ping An Credit Card customer service and turn to manual operation → apply for bill installment → wait for customer service to verify identity → inform the loan amount and term → wait for the result of SMS notification.

2. online banking application: log in to ping an credit card online banking → click "installment financing" and select "bill installment" → select the installment bill and installment time according to your own needs.

3. SMS application: the cardholder receives the invitation SMS of Ping An Credit Card bill installment → confirms the installment amount and installment time → replies to the installment application instruction according to the SMS content.

second, the special reserve fund for consumption

The special reserve fund for consumption is a cash loan product provided by Ping An Credit Card for cardholders, with a loan amount of 2,-3, yuan and a loan term of 6, 12, 18 or 24 installments.

the loan process is as follows: log in to ping an credit card online bank → enter "installment financing" and select "special reserve fund for consumption" → fill in the loan amount, term and purpose → enter the transaction password and dynamic SMS password → wait for the audit result of ping an credit card system.

Extended information

Ping An Credit Card Application Conditions

Any natural person who has reached the age of 18, has full capacity for civil conduct, has a stable and legal source of income, and has a good reputation, can apply to the card issuer for a personal credit card master card with his valid identity certificate and other documents required by the card issuer.

the main cardholder of personal card can apply for supplementary cards for other qualified natural persons. The cardholder of the main card shall be fully liable for the debts incurred under the main card and the supplementary card. Supplementary card holders shall be jointly and severally liable for the debts incurred under the main card and supplementary card.

The cardholder of Ping An Bank's credit card is in difficulty, so he can choose not to pay the full amount of the current credit card arrears, but to pay the minimum repayment amount. Generally, the minimum repayment amount is 1% of the payable amount. In order to alleviate the credit card repayment overdue caused by the current financial shortage.

This kind of repayment behavior means that you can't enjoy the interest-free repayment treatment and need to pay cyclic interest to Ping An Bank.

minimum repayment amount =1% unpaid portion of the minimum repayment amount in the previous period +1% annual fee +1% principal and handling fee of each installment business and the resulting interest +1% transaction principal (consumption+cash withdrawal) +1% expenses (except annual fee) (expenses: including late payment fee, interest, loss reporting fee, damage compensation fee and cash withdrawal handling fee). )

if normal repayment is made in the first month (that is, not less than the minimum repayment amount in the bill of the current month), the minimum monthly repayment amount will be automatically reduced from the original 1% to 5% from the next month.

Baidu Encyclopedia-Ping An Credit Card

What is the new loan of Ping An Bank

It belongs to the credit loan products of Ping An Bank.

The new loan is divided into:

1. The mortgage house (if the mortgage repayment method is equal principal and interest) can be used for monthly loan, and you can apply for mortgage repayment for more than 12 periods.

2. Policy loans, which have been purchased for more than two years (three times a year and 24 times a month) and there is no change in the insured who has paid back and resumed, and support the application of insurance policies by 24 insurance companies. 3 provident fund loans. The provident fund has not been broken in the middle of the payment of the same unit for more than 2 years, and the interest will be lower than that of the policy loan and the monthly loan.

from the interest rate point of view, the product is a repayment method with equal principal and interest, and the monthly interest is between .46% and .84%. Different customer groups and different credit status will approve different interest rates. There are two situations in which there is no penalty for prepayment. One is that there is no penalty for prepayment after one year of application by small and micro business owners. Second, the prepayment applied for as an office worker can be repaid in advance after one year, and the penalty is 5% of the remaining principal. (Because sometimes there will be activities or the prepayment penalty can be exempted).

line: up to 5, yuan, one-hour loan

interest: 4.9% -8.5%

repayment method: equal principal and interest

term: up to 48 installments, and repayment can be made in advance after 12 installments without penalty

features:

no guarantee: only personal credit is needed.

It is convenient to apply, just go to the bank once and sign a contract.

promise to release the loan within three working days and one day at the earliest.

The application threshold is low, with monthly mortgage payment of more than 3 years, or Ping An life insurance policy with payment of more than 3 years (non-Ping An insurance policy needs payment of more than 5 years), or the deposit base of provident fund is greater than or equal to 4,, which can be superimposed.

requirements for credit investigation

1. The credit investigation is good and cannot be overdue at present

2. The number of small loans under an individual's name shall not exceed 2, and the amount of each loan shall not exceed 6,. (Micro-loan is not a small loan)

Third, the number of inquiries in the past two months is at most three times

Fourth, there can be no information required for Ping An Bank car loan

1. If the ID card, bank card and mobile phone number are not used by rural credit cooperatives, the four major banks are preferred

2. The mobile phone number of the spouse and two contacts may be returned < Lending more than 3, yuan requires a work certificate and a use contract, such as renovation contract

What is the smart loan star in Ping An Credit Card

Ping An Bank's smart loan star is a credit loan product launched by Ping An Bank, and the maximum amount of the loan product is 55, yuan. As a credit loan product, you don't need to provide mortgage assets to apply for this loan. As long as the applicant's credit status meets the requirements of the bank, you can apply for a loan. Under normal circumstances, there is no overdue record for credit information and the number of credit inquiries in the past 2 months is no more than 4 times.

Ping An Smart Loan Star is a pure credit loan product launched by Ping An Bank, which can be applied without mortgage, and the loan is submitted online all the time, with a maximum loan amount of 55, yuan. Of course, the specific amount of the next paragraph is determined according to the user's personal qualifications. Like other credit loan products, Ping An Smart Loan Star has certain requirements for users' credit information, and bank loan products have strict requirements for their use scenarios. Loan funds are not allowed to be collected by countries such as stock market, housing purchase and investment.

To apply for Ping An Smart Loan Star, the applicant must be between 23 and 56 years old; There is no bad record such as overdue in the credit record for more than half a year; There are no other loans in Ping An Group; The number of credit inquiries in the past 2 months shall not exceed 4 times.

ping an smart loan product description: loan amount: 5-5 yuan; loan term: 3, 6, 9, and 12 interest rates: daily interest rate: 5,-1, annualized interest rate: 16-18; application conditions for daily interest calculation: if you are 22-55 years old and want to check your credit with a mobile phone in real-name registration system, you need a good application path: open the navigation bar below Ping An Pocket Bank APP and click "Loan".

Ping An Smart Loan is a pure online application, unsecured and unsecured credit loan, and the loan amount can only be used for consumption; To apply for Ping An Smart Loan, the following conditions must be met: the age is 22-55, including one year old; Hold a valid second-generation ID card; Have a stable and legal job; No bad credit record; Non-Ping An Bank affiliates; Non-Ping An Bank employees; There are Ping An Bank outlets in the city; If you need to apply, you can log in to Ping An Pocket Bank APP- Loan-Ping An Smart Loan Application.

This concludes the introduction of Ping An credit card loans and Ping An Bank credit card loans. Have you found the information you need?