What is the limit of Ping An Bank Insurance Credit Card (UnionPay Gold Card)?
The limit for applying for Ping An Bank Insurance Credit Card (UnionPay Gold Card) for the first time is generally between 20,000 yuan and 50,000 yuan. The credit card limit is comprehensively assessed based on the information attached to the application, combined with the specific circumstances, and based on the completeness of the personal information, previous creditworthiness, and income range. After using the credit card for a period of time, the limit may be reduced, or you can apply to increase the limit. :
Relevant requirements for credit cards:
1. When the card-issuing bank receives the cardholder’s objection to credit card collection, it shall make a note on the relevant credit card account in a timely manner and carry out verification and processing Work.
2. The acquiring bank shall identify the leading management department of the acquiring business and assume the responsibilities of coordinating the review of special merchant qualifications, registration management, equipment management, advance fund management, risk management, emergency response, etc.
3. Credit card collection letters should fully disclose the following basic information to the cardholder: cardholder’s name and balance, reasons for collection and relevant laws and regulations, cardholder’s relevant rights and obligations, account status inquiry, Ways to repay, raise objections and provide relevant evidence, contact information of the card-issuing bank, relevant business seals, and other contents specified by regulatory agencies.
The available overdraft limit of a bank credit card refers to the maximum limit that the bank determines can be used for overdraft consumption and cash withdrawal based on the cardholder's income and credit status. The cardholder can use it repeatedly within the validity period of the credit card.
Several ways to increase credit card limit:
1. Frequency of use: Frequent use of credit cards, regardless of the amount, as long as the card can be swiped, it will definitely be swiped.
2. Amount: It is best to produce monthly bill consumption that is at least 30% of the total amount.
3. The bill for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.
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 has many Special functions provide cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".
Application conditions:
1. Any natural person who is over 18 years old, has full capacity for civil conduct, has a stable and legal source of income, and has a good reputation can apply with his/her valid identity Certificates and other documents required by the card issuer to apply for the main credit card personal card from 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.
What is the limit of Ping An Bank’s standard credit card gold card?
The limit of Ping An Bank’s standard credit card gold card generally ranges from 3,000 to 60,000. 6,000 yuan to 15,000 yuan is more at this stage. Generally, the credit card approval amount will be determined based on the previous credit card repayment records and information. If there are no bad records and the repayments are normal, it will usually be around 10,000. Credit card (English: CreditCard), also called credit card. It is a non-cash transaction payment method and a simple credit service. Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the billing date (English: BillingDate).
Ping An Bank Gold Card Credit Limit
The credit limit of Ping An Bank Gold Credit Card is generally around 10,000 to 50,000 yuan. After applying for the card, if your repayment record is relatively good, you can increase the limit to about 100,000.
Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China. It is one of the 12 national joint-stock commercial banks in mainland China. .
The registered capital is RMB 5.12335 billion, with total assets of nearly 1.37 trillion yuan. It is headquartered in Shenzhen, Guangdong Province.
Ping An Insurance (Group) Co., Ltd. of China (hereinafter referred to as "Ping An") and its holding subsidiaries hold a total of approximately 2.684 billion shares of Ping An Bank, accounting for approximately 52.38% of Ping An's shares. The controlling shareholder of the bank. It has 34 branches across China and a representative office in Hong Kong.
In January 2012, 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 changed its name to the new Ping An Bank and formally established the new Ping An Bank. Open to the public. On June 26, 2019, eight banks, including Ping An Bank, were among the first batch to launch an online enterprise information verification system.
Products and services:
Retail business:
In terms of retail business, Shenzhen Ping An Bank was the first in the country to launch a composite bank that integrates IC chips and magnetic stripes. Electronic debit card, the first to launch a dual-currency international debit card. In August 2007, we grandly launched a comprehensive service product: "Jixiang" debit card, which integrates deposits and withdrawals, POS consumption, salary payment, bill payment, online payment, and financial management. Shenzhen Ping An Bank has also launched special service products such as Express Express, Express Express and Hong Kong Express. In addition, following the launch of the "Yingfeng" series of financial products, Shenzhen Ping An Bank launched a new wealth management service brand "Anying Financial" for high-end individual customers, allowing the bank's VIP customers to enjoy a full range of value-added wealth management services with peace of mind.
Credit card business:
In terms of credit card business, Shenzhen Ping An Bank attaches great importance to the credit card business. On May 21, 2007, it jointly launched the "China Ping An Wanli Tong Co-branded Credit Card" with Ping An Group of China. ; Launched “Ping An” credit card in August 2007. Shenzhen Ping An Bank is committed to creating a "safe" credit card, providing cardholders with all-round safety protection of "consumption safety, home safety, and travel safety", allowing cardholders to experience "one card, safety and security" anytime and anywhere. .
What is the limit of Ping An Bank's credit card?
The limit of Ping An Bank's credit card generally ranges from 3,000 yuan to 50,000 yuan.
The limit of Ping An Regular Card is generally between 3,000 yuan and 10,000 yuan, and the limit of Ping An Gold Card is between 10,000 and 50,000 yuan. The cash withdrawal limit of Ping An Credit Card can reach up to 100 of the actual limit.
Extended information
Ping An Bank credit card can enjoy an interest-free repayment period of up to 50 days. If you make normal repayments in the first month (that is, not less than the minimum repayment amount in the current month's bill), the minimum monthly repayment amount will automatically be reduced from the original 10 to 5 from the next month.
Consumption instant text messages—When you make a purchase or repay, Ping An Bank will immediately send a reminder text message to your designated mobile phone regardless of the transaction amount.
If your mobile phone number changes, please call the 24-hour customer service hotline to modify it in time. In areas where the 400 service is not available, please call (you can go to the official website).
References Ping An Credit Card_Baidu Encyclopedia
That’s it for the introduction of Ping An Bank Credit Card Gold Card Limit.