Ping An Bank’s credit card is very bad. Don’t 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, the limit of 10 can be used beyond the limit, and no over-limit fee will be charged 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. Accumulated points for all overseas purchases (swiping 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 shares of Shenzhen Commercial Bank. In 2007, it was renamed Shenzhen Ping An Bank and issued the first Ping An Miles 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. In 1991, it was listed on the Shenzhen Stock Exchange at 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.

Is Ping An Bank’s credit card good?

1. Good; Ping An Insurance Credit Card is the only credit card with an insurance number in the country, covering a full range of high-value sea, land and air insurance. With accident insurance and indoor gas accident insurance, you can enjoy peace of mind when traveling at home.

2. Ping An Bank Credit Card is the first credit card 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 It has many special functions and provides cardholders with comprehensive security protection covering "safety in consumption, safety at home and safety in travel".

1. Application Conditions

1. Ping An Bank Credit Card is available to all natural persons who are over 18 years old, have full capacity for civil conduct, have a stable and legal source of income, and have good credit. Apply for a personal credit card master card from the card issuer with your valid identity document and other documents required by the card issuer.

2. The main cardholder of Ping An Bank’s credit card can apply for supplementary cards for other qualified natural persons. The principal cardholder is fully responsible for repaying the debts incurred under the principal card and supplementary cards. Supplementary cardholders are jointly and severally liable for the debts incurred under the principal card and supplementary cards.

2. Limit

1. Ping An Bank credit card limit inquiry: You can inquire about Ping An Bank credit card limit through the customer service hotline, and learn about credit card account arrears, current available limit and other information anytime and anywhere. .

2. Temporary credit limit adjustment of Ping An Bank credit card: When using Ping An Bank credit card, if you find that the approved credit limit is not enough and you need to increase the credit limit, you can call the 24-hour customer service hotline to apply for a temporary credit limit increase. Quota. The increased temporary limit of Ping An Bank's credit card will be automatically restored to the original limit after the validity period.

3. Long-term credit limit adjustment of Ping An Bank: You can submit the latest financial income certificate and apply for it at any Ping An Bank outlet. Ping An Bank will make an application based on your past card usage history, repayment records, etc. Conduct an audit and adjust your Ping An Bank credit card limit appropriately for the cardholder after passing the audit.

3. Cost information

1. Over-limit fee: Over-limit fee is charged based on 5% of the over-limit part, and there is no minimum and maximum limit;

2 .Late payment fee: 5% of the unpaid portion of the minimum repayment amount, the minimum charge is RMB 20;

3. Handling fee for peer cash withdrawal: 2.5% of the transaction amount, the minimum charge is RMB 25;

4. Inter-bank cash withdrawal handling fee: 2.5 of the transaction amount, the minimum charge is 25 yuan;

5. Overflow payment recovery handling fee: 0.5 of the transaction amount, the minimum RMB charge is 5 yuan ;

6. Inter-bank overpayment recovery handling fee: 0.5 of the transaction amount, the minimum RMB charge is 5 yuan;

7. The cost of replacing a damaged or degaussed card is 15 yuan ;

8. Express delivery fee (optional) 20 yuan;

9. Handling fee for re-sending statements: free within 3 periods, and 10 yuan per month thereafter;

10. The fee for reporting the loss of the card is 60 yuan;

11. The handling fee for the password reset letter is 20 yuan;

12. The domestic purchase order is 20 yuan Yuan.

Are Ping An Bank’s credit cards rubbish?

Thank you for your attention to Ping An Bank. For credit card issues, you can call the credit card service hotline 95511-2.

If you need to inquire about Ping An Bank's credit card business, you can click the link below and select the online customer service icon - credit card in the upper right corner of the homepage or follow Ping An Credit Card's WeChat public account (paxyk95511) for consultation.

Response time: 2020-08-25. For the latest business changes, please refer to the official website of Ping An Bank.

[Ping An Auto Owner Loan] You can get a loan if you own a car, up to 500,000

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Ping An Bank’s credit cards are very popular pit? You need to know these cards that are most worth getting!

Because some cardholders have asked about Ping An recommendation before.

I have been paying attention to Ping An for a while. I applied for a Ping An card on July 2, but received a rejection message two days later. However, after 27 days of silence, I received the card approval message from Ping An. At that time, I felt like I was being teased. I thought I had read it wrong. I downloaded the Ping An APP to check the progress of the card application, and then I confirmed that the card was approved by Ping An. The credit limit was 20,000, and Ping An became the 15th bank card of Xiao Heng. .

I have been holding the card for a while, so I took the time to share my experience with Ping An Credit Card with all card friends on Toutiao.

In fact, Ping An doesn’t have any good “cards”. It can neither redeem miles nor has any special activities to attract users. But we all know that Ping An Group’s insurance business is still very strong, so in terms of insurance, Ping An Credit Card may have an advantage.

Ping An’s Good Card Recommendations

1 Ping An’s Travel Platinum Credit Card

Everyone in the card game circle knows that Ping An’s Travel Platinum Card is Ping An’s most worthwhile card. , you can get 1 cash back when you spend with your card. Points can be accumulated for purchases on air tickets, hotels, travel agencies (MCC4511, 4722 and 7011) and overseas purchases. The maximum monthly limit is 500 yuan, which is 6,000 yuan per year.

The limit starts from 30,000 yuan.

In addition, Ping An Travel also offers other Platinum Card benefits:

· AAA (inclusive) and above attraction ticket discounts

Enjoy hundreds of nationwide attractions Discounts on card purchases for AAA-level and above attractions, as well as online and telephone booking discounts for nearly a thousand attractions.

Exclusive benefits from Ping An Wealth, escorting the whole journey

·Accident insurance for all vehicle personnel

If a road traffic accident occurs while driving a motor vehicle, resulting in death, disability, or burns In case of burns or medical expenses, the cardholder and his family members in the car can enjoy accident compensation, and the maximum compensation amount can reach 500,000.

·Comprehensive traffic accident insurance

If you take airplanes, trains (including light rail), ships, cars and other commercial vehicles, if an accident occurs, you can enjoy up to 10 million insurance The insured amount is paid, and the accompanying spouse can enjoy an insured amount of RMB 2.5 million.

·Airport transfer

When traveling, you can use "125,000 Miles Points" to apply for airport transfer service, which will save you the trouble of waiting in line and make your travel more convenient .

Airport transfers can be sold, and the market price is about 100 per time.

·Travel Comprehensive Accident Insurance

You can use "26,000 Miles Points" to apply for comprehensive travel accident insurance. Within 90 days after it takes effect, any permanent resident who has registered with Ping An Bank will You can enjoy corresponding protection for accidents that occur more than 100 kilometers away from the destination or if your journey is hindered.

·Domestic/overseas emergency rescue

Enjoy international travel emergency rescue services and domestic/international medical emergency rescue services during travel.

·Car rental service

Car rental discounts are available in more than 30 cities across the country, including nationwide "free daily rent" and "rent three get one free" special offers, with service outlets located in major cities Airports, hotels, commercial centers.

·Driving benefits:

If you are keen on self-driving travel, you can choose more driving service experiences, including leisure and vacation self-driving travel route design, car event assistance, and new car test drives wait.

Warm reminder:

You can also use "Wanlitong Points" to apply for more exclusive benefits: 360-degree risk screening physical examination package, traditional Chinese medicine health care, dental cleaning services, and activate the card After the first purchase, you can also enjoy telephone doctors, domestic and overseas health privileges, luxury goods purchasing services, international student care services and etiquette assistance services. For details on the specific service rules and content of Ping An Wealth’s exclusive privileges

More Platinum VIP travel privileges

·Exclusive discounts at 100 hotels

100 hotels across the country Exclusive special offers for first-class hotels: buy one, get one free, free room upgrade, extended check-out? Bring more surprises to your trip!

·Exclusive prices for exclusive merchants

Shopping and consumption at thousands of exclusive merchants across the country, with exclusive discounts, gifts and other rich privileges.

TIPS: If you don’t open a Ping An Travel card for free, you can still enjoy the Ping An Platinum customer service treatment. There is no annual fee if you don’t open the card.

New account opening gift information:

Time: August 1, 2017 - October 31, 2017 (card verification time)

Activity rules :

Customers (including new and old customers) who are issued platinum cards, elite platinum cards, gold steward co-branded cards, and insurance gold cards during the event will receive a first-time credit card if they meet the consumption standards before the end of the next month after the card is approved. Gifts:

Platinum Card: Before the end of the next month, if you spend 388 yuan on any 3 transactions, you will receive a shopping mall voucher worth 888 yuan. It is recommended to redeem the BRIAND instant hot water purification bar set and Ecovos. One of the Dibao Magic Mirror S sweeping robot and Huawei B3 smart bracelet;

Elite Platinum Card: Before the end of the next month with the core card, make any 3 purchases of 288 yuan and receive a 488 yuan mall voucher. , it is recommended to redeem ELLEHOMME trolley suitcase set (20-inch 28-inch), Philips CVR300 driving recorder, and one of the Midea air-conditioning fans;

2 Ping An You You Card

You Card It is a credit card launched by Ping An Credit Card last year targeting young customers and features "freely customizable card faces".

Since you can customize the card face by yourself, this card also follows the trend of the times and adds several combinations of specially selected benefits. Each benefit has an annual customization fee of 288 yuan:

Points Party: Enjoy 10 times points on designated Internet, entertainment, and catering purchases throughout the year. The monthly reward points limit is 20,000 points.

Movie viewing group: full-year Youku membership and 12 issues of Guevara 10-yuan movie vouchers.

Yummy Pie: Electronic redemption coupons for 12 selected gourmet foods throughout the year, including Starbucks, Haagen-Dazs, Godiva, Burger King, etc.

(Note: Each of the above-mentioned value-for-money benefits only requires a customization fee of 288 yuan/year)

If these three benefits are not used, then there is no need to customize them. There is no annual fee for this card, and it is free of annual fees for life.

3 Ping An Car Owner Card

The Ping An Bank Car Owner Card has had a stable main selling point in recent years: 12% off on gas and insurance.

Let’s talk about the refueling activity first:

Activity intensity: 12% off (12)

Participation conditions: After registration, meeting consumption qualifications, at designated gas stations Swipe designated cards.

Registration: Download the official Ping An Credit Card APP "Ping An Tianxiatong" and bind your Ping An Credit Card to make purchases at designated gas stations.

Designated cards: Ping An Diamond Credit Card, Platinum Credit Card, Elite/Travel Platinum Credit Card, Platinum Credit Card, Car Owner Credit Card, Car Owner Financial Credit Card (formerly iCar Credit Card)

Designated gas stations.

Consumption qualifications: Points can be accumulated for purchases of 2,000 yuan or more (no need to meet the requirements in the first month and the next month when the card is approved)

Monthly rebate: up to 80 yuan (i.e. 667 yuan for gas)

Refund rules: Deduct the consumption at designated gas stations in the next month. It will become invalid upon expiration.

Although the free insurance is very powerful, if you want to travel with peace of mind, you still have to purchase third-party liability insurance:

Receive up to 1.1 million yuan from the next day after the first purchase. Accident coverage for all persons in the vehicle (only the cardholder drives the vehicle)

Driver accident coverage up to RMB 500,000

Accident coverage for passengers in the same vehicle up to RMB 100,000 per person

All persons on the vehicle (including the driver) are covered by up to RMB 4,000 per person in accidental medical insurance

Therefore, the annual fee is RMB 200 in the first year and RMB 30,000 in the following year for free. It's a great value, after all, the gas is discounted and insurance is included. But please note: first check whether the "designated gas station" is near you.

New households will receive gifts when applying for a card, event period: 2017/9/1-2017/12/31

Get 188 for the first time you spend 188, and have a chance to win an iPhone7.

Ping An’s recent activities:

Draw a red envelope for 188 yuan

Ping An will draw a red envelope for purchases over 188 yuan.

You can draw a red envelope for each transaction of 188 yuan or more, with a maximum of 30 red envelopes drawn per month, and each red envelope can be up to 188 yuan.

Another special reminder: the amount of red envelopes for overseas consumption online will be doubled. Secondly, if the red envelopes in September are collected from 10.24 to 11.1, the red envelopes will continue to double. It is said that you can receive up to 8 Times yo.

To participate in the red envelope, you need to click on the consumption reminder in the Ping An Credit Card APP.

The other is the recent Super Ping An Payout event.

The rules of the Super Payout activity are relatively simple. It mainly counts offline consumption, and 50% off online consumption is included in the consumption amount statistics.

Participate in this activity through offline and online consumption. The activity is not attractive, but if you add travel white, 7011 business travel hotel consumption rebate 1, plus red envelopes for purchases over 188, the rebate will be very Considerable. Therefore, being good at superimposing activity rules is the most enjoyable and commonly used method for playing card users.

Do you want a safety card?

Playing Card Tycoon reminds you: Maybe you need some time to compare and observe. It is not easy to apply for a travel card. It is recommended that you do not rush to apply for it.

Is the Ping An Good Car Owner Credit Card a scam?

1. Compared with other credit cards, the Ping An Good Car Owner Credit Card has an absolute advantage, relying on its "hard-core" one-stop service It has won the favor of many users. The disadvantage of Ping An Bank's car owner credit card is that the annual fee is relatively high. Generally, the first-year annual fee is two hundred yuan, and the annual fee will be incurred immediately after your card is activated. If you want to waive the annual fee for the next year, the consumption on the car owner's credit card or the car owner's all-in-one card credit account must exceed 30,000 yuan in the first year. Therefore, Ping An Bank's car owner credit card has both advantages and disadvantages. Whether you should use it or not depends on your personal needs, because it was originally launched for private car owners. If your annual car consumption can usually reach about 30,000 yuan, use it. If you drive a lot and use a lot of fuel, you can still consider it.

2. The main advantage of Ping An Bank’s car owner credit card is that it has higher accident insurance protection. From 0:00 on the next day after you apply for the card, you can enjoy up to 500,000 yuan when driving a car. The driver’s accident insurance coverage is RMB 100,000, while other persons in the same vehicle can enjoy driving accident insurance coverage of up to RMB 100,000 per person. In addition to the driving accident insurance coverage, all vehicle personnel, including the driver, can also Enjoy medical insurance for driving accidents up to RMB 4,000 per person. The second benefit is that you can enjoy a 12% discount on refueling. The third benefit is the road assistance service. This service can provide you with free road assistance services within 30 kilometers once a day. If you encounter problems while driving in China, you can call the road assistance service number to apply for rescue services within 30 kilometers. . This service also takes effect from 0:00 on the day after the first brushing, and is only available once a day, but there is no limit to the number of days throughout the year. In addition, emergency repair services such as calling for power connections, tire changes, and oil and water delivery can be guaranteed to arrive in urban areas across the country within 40 minutes, and towing services can ensure that rescue vehicles can depart within ten minutes.

3. If you are an old user of the car owner card, and you are using a Buddhist card, and you have no rigid demand for driving, washing cars, etc., then there is no need to apply for this card again. After all, the first year is rigid. fee. If you have a need for car washing and other benefits, but you are a Buddhist card user, you can also apply, but it is recommended to apply for a gold card. After all, driving and car washing are very expensive in big cities these days, and the annual fee of 300 can be paid back quickly. If you are a card-based POS user who swipes your card every month, you can consider a gold card or a platinum card based on the bill amount. After all, you still have to swipe your card even if you don’t pay, so it’s good to get some money back to stop the bleeding. , it won’t be a loss anyway.

This concludes the introduction to Ping An Credit Card Junk and Ping An Credit Card Junk Information. Have you found the information you need?