How about Ping An Bank Credit Card? Is it useful?

If bank credit cards can be used reasonably, it will bring a lot of convenience to our lives. As an insurance company, Ping An also has its own financial service functions. Users with Ping An Bank credit cards can enjoy You have the same rights as other bank credit card users. You can spend and make payments within the limit of your credit card within the billing period. And after consumption, there are corresponding points that can be exchanged for gifts or coupons from some merchants, which is still very cost-effective.

1. Using credit cards for consumption is a matter of consciousness, and it does not mean that only people who have no money will use credit cards.

In the minds of the older generation, they consume within their means. They think they will spend as much as they earn, and they will not spend in advance. I feel that people who use credit cards do not have the money themselves, so they spend money from the bank in advance. In fact, this is just a consumption awareness, and it does not mean that you don’t have money if you use a credit card.

2. Credit cards can use points and redeem them for gifts. Reasonable use will bring many additional benefits.

When using a credit card, it is equivalent to using money from the bank first. You can invest your own money. You can also accumulate points after use to redeem gifts, or before redeeming discounts, although once or twice It doesn’t show much, but if you use it a lot, it’s a big discount and shouldn’t be underestimated.

3. Although credit cards are easy to use, you must pay attention to rational consumption and do not become a card slave.

Although credit cards are very convenient to use and you don’t need to carry cash, now due to the convenience of the Internet, you can also bind it to your own online shopping account, so you can directly make credit card purchases. On the billing day, you can also repay directly from your online account. However, you must pay attention to rational consumption of credit card consumption. Don't feel that you are not spending your own money just because you feel that you have not spent cash. You must also consume according to your actual needs and do not spend money indiscriminately.

How about Ping An Credit Card?

There are advantages and disadvantages. It depends on individual needs and the one that suits you is the best.

Advantages and disadvantages of Ping An Bank credit cards:

1. Benefits: Most cards come with insurance, and the market value of the insurance is much cheaper than the annual fee of the card. Ping An has strict controls and activities. Much, actually very good when it comes to customers. Flexible quota, full protection of consumption losses 72 hours before reporting loss, etc.

2. Disadvantages: Ping An has few outlets, expensive annual fees, troublesome repayments, troublesome cancellation, etc. Ping An Bank Credit Card is the first credit card launched after the merger of Shenzhen Commercial Bank and Ping An Bank and they were 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, providing cardholders with

The most frequently applied card types are as follows:

1. Elite Platinum Card: Annual fee: 600 yuan for the main card and 480 yuan for the supplementary card. Starting from November 16, 2017, the first-year annual fee will be reduced if you spend 8,800 yuan or more on the approved card within 3 calendar months (the same for the main and additional cards). The annual fee policy for the next year will be waived if you spend RMB 120,000 on the main card (RMB 100,000 on the additional card).

The benefits are as follows:

a. A fixed compensation of RMB 800 per time for a 2-hour flight delay

b. RMB 66 for domestic airport pick-up service

d. 400,000 vehicle occupant accident insurance

2. Car owner’s card: Annual fee: Ping An Bank car owner credit card, annual fee is 200 yuan /year, if the consumption reaches 30,000 yuan in the first year, the annual fee for the next year will be waived, and so on. Activation will incur a first-year annual fee, and the first-year annual fee will not be reduced.

The benefits are as follows:

a. Accident insurance for all vehicle occupants up to RMB 1.1 million

b. Roadside assistance within 30 kilometers

c. Refueling 12% off

3. Standard card annual fee: Gold card 300 yuan/year; regular card 100 yuan/year; supplementary card 150 yuan/year; regular supplementary card 50 yuan/year. There is no annual fee for the main card in the first year. If you swipe the card 6 times a year, regardless of the amount, the annual fee for the following year will be automatically reduced, and so on; the supplementary card is free of annual fees.

The benefits are as follows:

a. From the day after the first purchase, you can receive high-value comprehensive traffic accident insurance every year

b..The day after the first purchase Principal cardholders can receive high-value gas user accident protection every year

Ping An Bank is an important member 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 over RMB 130 billion. Its head office is located in Shenzhen, and its business outlets are currently located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou. .

Ping An Bank’s credit cards are very poor and terrible. Never go to Ping An Bank to apply for a card, otherwise you will regret it.

1. Features of Ping An Bank’s credit cards

(1) Easy to apply for the card. It is relatively simple to apply for a card. I remember that the first credit card I entered and exited the company was safe.

(2) Strictly manage risks. As we all know, Ping An Times has strong risk management capabilities. I often hear that credit cards have been closed or downgraded. Ping An, Girlfriend, and other insurance banks are ethical.

(3) The reason for strict risk management is very simple and safe, and the data is awesome. Qianhai credit report belongs to Ping An Group. In 2013, the Qianhai Credit Reporting System had approximately 830 million people and approximately 20 million enterprises and other organizations. It's already very advanced. Ping An Credit Card, which was founded in 2018, has deployed about 40 sets of big data risk models at various nodes involving customers to comprehensively monitor and assess risks.

(4) The interest-free period is 50 days.

(5) 3-day grace period per month (tolerant)

(6) Don’t mind too many cards.

(7) Can exceed the limit. Generally, you can use 10% of the quota over the limit, and there are no over-limit fees for the time being.

(8) Merger of letters and newspapers, and merger of bills. No matter how many cards you have, your credit report will only show one. Consolidate your bills and repay the money to any card!

(9) Points Points are of high value and easy to implement, but the points rules changed a lot at the beginning of this year!

Comprehensive rules: In February this year, the high-profile merger rules were significantly adjusted, breaking the previous credit card merger model and becoming the first bank in the industry to try this. Points rules were formulated in April this year!

1. No credit card points are used when offline (except for some airlines and hotels). Points can be accumulated online and offline on domestic airlines and airlines and hotels specified in the travel spending plan.

2. Earn points for online consumption.

3. Special payment methods (mobile pay, UnionPay QR code, UnionPay APP scan code payment, etc.) can make a one-time payment of more than 1,000 yuan.

4. 5 times the points for online consumption at cooperative merchants (by the end of this year)

5. Accumulate points for all overseas purchases (swipe cards online or offline).

6. All overseas consumption points (online or offline credit card)

Extended information:

History of Ping An Bank:

2003 In December, Ping An Group acquired Fujian Asia Bank, a small joint venture bank in Fuzhou, and changed its name to Ping An Bank in February of the following year, taking the first step in the banking industry. In November 2006, Ping An Group invested 4.9 billion yuan and acquired 89.36% of the shares of Shenzhen Commercial Bank. In 2007, it was renamed Shenzhen Ping An Bank and issued the first Ping An Wanli communication card. In August 2012, Shenzhen Development Bank merged with the old Ping An Bank, and the company was renamed Ping An Bank. At that time, New Ping An Bank's total assets reached 1.5 trillion yuan and it had 410 stores. Became one of China's medium-sized joint-stock companies. PS: SDB: In May 1987, SDB generally issued shares. It was listed on the Shenzhen Stock Exchange in 1991 with a price of one million shares. 1. This is the first listed bank in China and the market value of Shenzhen stocks. This year. In 2002, Shenzhen Development Bank issued China's first credit card with password protection. By mid-2020, the number of PingAn credit cards issued reached 61.48 million, ranking first in China.

That’s it for the introduction of Ping An Financial Credit Card.