Ping An Bank's credit card limit cannot be used because of risk control. Risk control refers to risk control, which is a means of bank risk control. The purpose is to restrain customers with abnormal transactions or potential risks and further protect bank assets from losses.
For cardholders, if they are subject to bank risk control, they may face the following phenomena:
1. I often get calls from banks for verification. For example, after a large consumption, the bank staff will verify the authenticity of the transaction.
2. I often receive risk warning messages from banks, such as reminding cardholders not to cash out.
3. Credit cards cannot be withdrawn for a long time, which is probably related to risk control measures.
4. The credit card can't be traded beyond the limit suddenly, or the consumption limit is lowered, which is also related to the risk control measures.
What if it is controlled by the wind?
If our credit card is controlled by the wind, we can solve it from three aspects:
1. Repay in full and on time to ensure that it is not overdue;
2. Diversified small consumption, remember not to spend large amounts;
3. Do installment business in time to provide more contributions to banks.
Ping An Bank Credit Card is the first credit business launched after Shenzhen Commercial Bank merged with Ping An Bank and changed its name to Shenzhen Ping An Bank. In addition to the basic functions of credit card, such as credit consumption and cash advance, it also has many unique functions to provide cardholders with all-round security protection covering "safe consumption, safe home and safe travel".
Ping An Bank Credit Card Center was established in 2000 and settled in Shenzhen Qianhai, 20 15. Upgrade to a credit card franchise with second-class legal personality and relatively independent operation. By the end of 20 18, 1 1, the number of cards in circulation exceeded 50 million.
Ping An Bank is one of the main business departments of China Ping An Group and an important part of the comprehensive financial service platform of China Ping An Group. As a trans-regional joint-stock commercial bank, Ping An Bank has a registered capital of 546 1 billion yuan and total assets of over10.3 billion yuan. Its head office is located in Shenzhen and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.
Can Ping An Credit Card be used beyond the limit?
Ping An Credit Card can be used for consumption exceeding the credit card limit, because Ping An Bank provides credit cards with a credit card limit exceeding the limit, thus avoiding the inconvenience caused by insufficient credit card limit and invalid credit card. This function is enabled by default, and the cardholder does not need to apply actively.
In fact, it is not only Ping An Bank that has an overrun line, but other banks generally have it. Generally, the over-limit amount will be about 5% to 10% of the credit line of the credit card (the specific over-limit amount will be comprehensively evaluated by the system in real time). If the credit card available amount is negative, it means that it has been overspent.
And you can rest assured that the over-limit use of Ping An Bank's credit card will not bring many serious adverse consequences, and it will not affect the customer's personal credit information, as long as the customer remembers to repay on time in the future. However, the over-limit amount of the cardholder's credit card spending will be fully included in the minimum repayment amount of the bill, so the customer needs to pay it off in full. The over-limit part can't be repaid in installments, and the lowest part can't be repaid, but there will be no extra charge for the over-limit part.
Ping An Bank products and services
small business
In terms of retail business, Ping An Bank of Shenzhen took the lead in launching a composite electronic debit card integrating ic chip and magnetic stripe in China, and took the lead in launching a dual-currency international debit card. In August, 2007, Jixiang Debit Card, a comprehensive service product integrating deposit and withdrawal, POS consumption, payroll payment, online payment and wealth management, was grandly launched. Shenzhen Ping An Bank has also launched special service products such as Express, Express Rail and Hong Kong Stock Connect. In addition, following the launch of Yingfeng series of wealth management products, Ping An Bank launched a brand-new wealth management service brand "An Ying Wealth Management" for high-end individual customers, so that the bank's VIP customers can enjoy all-round wealth management value-added services with peace of mind.
Credit card business
In terms of credit card business, Shenzhen Ping An Bank attaches great importance to credit card business. On May 2, 2007, KLOC-0, jointly launched "China Ping An Wanlitong Co-branded Credit Card" with China Ping An Group. In August 2007, "Ping An" credit card was launched. Shenzhen Ping An Bank is committed to building a "Ping An" credit card, providing cardholders with all-round security protection of "consumer safety, home safety and travel safety", so that cardholders can feel "one card accompanied by peace" anytime and anywhere.
corporate business
In terms of corporate business, Ping An Bank of Shenzhen aims to provide high-quality and efficient services for SMEs, and strives to build a financial brand for SMEs. With professional teams, professional products, professional services and professional management, it has carried out a number of innovations in the business field of SMEs. Through in-depth market research, formulate flexible credit policies that meet market demand, continuously simplify business processes and improve approval efficiency; By effectively integrating business outlets, online banking, telephone banking and other diversified service platforms, we will broaden the financial service channels for small and medium-sized enterprises, help China customers solve financing problems, improve the efficiency of capital use, and provide a package of comprehensive financial services with the help of China Ping An Group's resource advantages to create maximum value for customers.
International business
In terms of international business, Ping An Bank of Shenzhen has launched dozens of new varieties of international business, such as Forfaiting, risk sharing and issuing letters of credit on behalf of others, and has developed nearly 500 correspondent banks around the world. As a primary dealer in the open market of the People's Bank of China, the trading volume of++money market and bond market has doubled year after year, ranking among the top 20 clearing member banks in the national inter-bank bond market, and has been rated as an excellent transaction settlement unit for many times.
Why can't Ping An Credit Card exceed the limit?
Ping An Credit Card can exceed the limit, which can only exceed 10% at most, but the comprehensive evaluation results of the system shall prevail. If Ping An Credit Card suddenly cannot exceed the limit, it is probably because it has been used before and has not been returned. You can check whether the credit card has a negative limit.
In addition, the cardholder's personal debt is high, or the credit card is overdue, and the credit card is not used for daily consumption as required. The system thinks that the cardholder's risk is too high, and will control the risk of the credit card, and it is not allowed to exceed the limit.
Ping An Credit Card Fee Information
Over-limit fee: the over-limit fee is charged at 5% of the over-limit part, with no minimum and maximum limit;
Late payment fee: 5% of the unpaid part of the minimum repayment amount, and the minimum charge is RMB 20 yuan;
Peer withdrawal fee: 2.5% of the transaction amount, minimum 25 yuan;
Inter-bank cash withdrawal fee: 2.5% of the transaction amount, minimum 25 yuan;
Peer overpayment recovery fee: 0.5% of the transaction amount, and the minimum RMB fee is 5 yuan;
Cross-bank overpayment of recovery fee: 0.5% of the transaction amount, and the minimum RMB fee is 5 yuan;
The cost of replacing the card due to damage or degaussing is 15 yuan;
Courier fee (optional) 20 yuan;
Handling fee for reissue of statement: RMB 10 yuan will be charged every month after the third installment is free;
Loss of card reporting fee 60 yuan;
Reset password letter 20 yuan;
20 yuan for obtaining domestic purchase orders;
Application conditions
All natural persons who have reached the age of 18, have full capacity for civil conduct, have a stable and legitimate source of income and have a good reputation can apply to the card issuer for a personal credit card master card with their valid identity documents and other documents required by the card issuer.
Personal card holders can apply for supplementary cards for other qualified natural persons. The cardholder of the main card shall take full responsibility 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.
Credit card repayment method:
In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
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Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.
Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
How long will the overrun function of Ping An Credit Card be restored?
We all know that there are many factors in the credit card limit, one is the bank limit, and the other is the cardholder's own limit, so the recovery time after being restricted is also different.
First, the bank limit.
1. If the limit is only the bank's one-day consumption limit, it will generally be restored the next day, but the consumption limit still cannot be exceeded, otherwise it will be re-limited, and then the card can be used only after it is restored the next day.
2. If the limit is due to the bank's risk control, such as overdue or limited cash, it will not be so easy to recover. If you don't want to recover it within the time limit, you must pay off the arrears and apply to the bank; If the cash is limited, you need to provide various consumption vouchers to dispel the bank's doubts and prove that you are not cashing in.
These banks need to spend a certain amount of time to review, and they will not resume until they are approved, but it usually takes 1~3 working days.
Second, the cardholder restrictions
If the cardholder sets a trading limit for the credit card, it is impossible to trade beyond this limit, and this limit is easy to recover.
As long as the cardholder goes to the credit card official website to modify the transaction limit, he can immediately resume using it after the modification is successful, swipe his card and spend happily, and he can also adjust the limit back after the consumption is successful.
Ping An Bank Credit Card is the first credit business launched after Shenzhen Commercial Bank merged with Ping An Bank and changed its name to Shenzhen Ping An Bank. In addition to the basic functions of credit card, such as credit consumption and cash advance, it also has many unique functions to provide cardholders with all-round security protection covering "safe consumption, safe home and safe travel".
Ping An Bank Credit Card Center was established in 2000 and settled in Shenzhen Qianhai, 20 15. Upgrade to a credit card franchise with second-class legal personality and relatively independent operation. By the end of 20 18, 1 1, the number of cards in circulation exceeded 50 million.
Ping An Bank is one of the main business departments of China Ping An Group and an important part of the comprehensive financial service platform of China Ping An Group. As a trans-regional joint-stock commercial bank, Ping An Bank has a registered capital of 546 1 billion yuan and total assets of over10.3 billion yuan. Its head office is located in Shenzhen and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.
This is the end of the introduction of Ping An Credit Card's overrun. How long will it take for Ping An Credit Card's overrun function to recover? I wonder if you have found the information you need?