The application conditions for Ping An Premium are relatively simple. As long as you have a Ping An Bank credit card, a good consumption record and good personal credit and repayment conditions, you can apply. At present, Premium only supports RMB, and the application amount must be an integer multiple of 100 yuan, with a minimum of 2,000 yuan, and the handling fee per 10,000 yuan is as low as 2.8 yuan/day.
What is Ping An Premium?
Ping An Premium is a hot credit card cash installment product of Ping An Bank at present, which allows customers who use credit cards to obtain more liquidity. The cardholder can transfer the whole amount or a certain proportion to his debit card with the same name within the exclusive cash installment limit, and then repay the principal and handling fee in installments.
periodicity
Rate interval of each period
The sixth stage
[0.62% , 0.89%]
12 stage
[0.64% , 0.83%]
18 period
[0.64% , 0.83%]
24 issues
[0.64% , 0.83%]
How to apply for Ping An Premium?
Ping An Premium has three application channels, which borrowers can complete through app, online banking and telephone.
Application application:
① Download Ping An Bank Pocket APP, register and log in, and click Credit Card-Services-Installment Financing-Premium.
Fill in the deposit amount and installment number according to your own loan requirements, and fill in your own bank card number according to the page prompts.
(3) Finally submit the application and wait for the bank's review.
Online banking application:
① Search and log in to Ping An Bank's online banking, and click installment financing-premium payment.
Fill in the deposit amount and installment number according to your loan requirements, and fill in your bank card number according to the page prompts.
(3) Finally submit the application and wait for the bank's review.
Telephone application:
① Call Ping An Bank's 24-hour customer service telephone number 955 1 1 and transfer to manual service according to voice prompts.
(2) Apply for "premium payment" to the manual customer service, and provide the installment number, installment amount, debit card account number and fund user with the same name.
③ Waiting for bank review.
How to pay the Ping An premium?
Ping An Premium can be repaid in six installments, 12 installment, 18 installment and 24 installment. For example, Kobayashi applies for a premium of 5,000 yuan, and the repayment amount of each installment = total installment amount ÷ number of installments (the remainder is recorded in the first installment amount)+total installment amount × handling fee rate of each installment.
If the repayment is made in six installments, the principal to be repaid in each installment is 833.33, the handling fee is 37.50, and the total repayment amount is 870.83.
If the repayment is made in 12 installments, the principal payable in each installment is 4 16.66, the handling fee is 37.50, and the total repayment amount is 454. 16.
Users can also apply for prepayment. However, a penalty of 3% of the prepayment principal must be paid in one lump sum.