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 at 5% of the over-limit portion, with no minimum and maximum limits;
2. Late payment fee: 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB 20;
3. Handling fee for peer cash withdrawal: 2.5% of the transaction amount, with a minimum charge of RMB 25;< /p>
4. Inter-bank cash withdrawal handling fee: 2.5% of the transaction amount, the minimum fee is 25 yuan;
5. Overflow payment recovery handling fee: 0.5% of the transaction amount, the minimum fee The RMB charge is RMB 5;
6. Inter-bank overpayment recovery handling fee: 0.5% of the transaction amount, the minimum RMB charge is RMB 5;
7. Damage or degaussing The cost of replacing the card is 15 yuan;
8. Express fee (optional) 20 yuan;
9. Handling fee for re-sending statements: free within 3 periods, each time thereafter A monthly charge of RMB 10;
10. A lost card reporting fee of RMB 60;
11. A password reset fee of RMB 20;
12. Adjustment The domestic purchase order is 20 yuan.
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
< p>c. 10 million global comprehensive traffic accident insuranced. 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 more than 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. .
Is Ping An Credit Card safe?
It is safe. Ping An Credit Card provides door-to-door card application services. Ping An Bank is a cross-regional commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China and one of the 12 national joint-stock commercial banks in mainland China.
Ping An Insurance (Group) Co., Ltd. of China (hereinafter referred to as "Ping An of China") and its holding subsidiaries hold approximately 2.684 billion shares of Ping An Bank, with a shareholding ratio of approximately 52.38%. Ping An of China Holdings The shareholder is a bank. It has 34 branches across the country 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 New Ping An Bank and established New Ping An Bank to carry out official business.
Products and Services
1. Retail industry: In terms of retail business, Shenzhen Ping An Bank was the first in China to launch a composite electronic debit card integrating IC chip and magnetic stripe, and was the first to launch dual Coin International Debit Card. In August 2007, we grandly launched the "Jixiang" debit card, a comprehensive service product integrating deposits and withdrawals, POS consumption, payroll, payment, online payment, and financial management. Shenzhen Ping An Bank has also launched special service products such as express delivery, express delivery, and Hong Kong express delivery. In addition, following the launch of the "Yingfeng" series of financial products, Shenzhen Ping An Bank launched a new financial service brand "Yingying Financial" for high-end individual customers, allowing bank VIP customers to enjoy a full range of financial services. Wealth management value-added services.
2. Credit card business: In terms of credit card business, Shenzhen Ping An Bank attaches great importance to the credit card business. After jointly launching the "China Ping An Wanli Tong Co-branded Credit Card" with Ping An Group of China on May 21, 2007, and launching the "Ping An" credit card in August 2007, Shenzhen Ping An Bank is committed to creating "Ping An" credit cards and providing cardholders with "Ping An" credit cards. The comprehensive security guarantee of "consumption safety, home safety, and travel safety" enables cardholders to feel "safe and worry-free with one card" anytime and anywhere.
3. Corporate business: In terms of corporate business, Shenzhen Ping An Bank aims to provide high-quality and efficient services to small and medium-sized enterprises, and strives to build a small and medium-sized enterprise financial brand (SME). With a professional team, professional products, and professional Excellent service, professional management, and many innovations in the field of small and medium-sized enterprise business.
Through in-depth market research, we formulate flexible credit policies based on market demand, continuously simplify business processes, and improve approval efficiency; through effective integration of diversified service platforms such as business outlets, online banking, and telephone banking, we expand financial service channels for small and medium-sized enterprises to help Chinese customers Solve financing problems, improve capital utilization efficiency, and provide a package of comprehensive financial services by leveraging the resource advantages of Ping An Group of China to create maximum value for customers.
Is Ping An Bank reliable? I want to ask someone who has experienced this to help me. I want to choose a reliable bank to apply for a credit card.
Ping An Bank’s credit cards are still very reliable. After all, they have been a commercial bank for many years and have a good reputation.
1. If you want to apply for a credit card from any bank, first follow this bank on WeChat. Official accounts, such as (XX Bank Credit Card), general credit card activities will be displayed on this official account as soon as possible to see if the activity content is suitable for your area and whether it is strong enough to attract you.
2. Co-branded card: Co-branded card, as the name suggests, is a more targeted preferential policy. Whatever rights you want, you can also choose the corresponding co-branded card, such as the Meituan co-branded card, which will definitely let you eat, drink and have fun everywhere. There is a surprise; the JD.com co-branded credit card will definitely come with PULS membership or other rights on JD.com.
3. If there are local outlets, you can apply through the third-party platform. Now banks have cooperated in order to issue cards. Some platforms do promotions. When you apply for a credit card, you can get a rebate of 100 or 200 yuan per card. The highest price per card is 600 yuan. If you apply for it yourself or apply for a friend, you can put real money into your pocket, which is another great benefit.
4. Apply to mainstream commercial banks: Communications, Shanghai Pudong Development Bank, China Merchants Bank, Industrial Bank, Everbright, Minsheng, Hua Xia Bank, etc. The advantage is that they have been issuing credit cards for many years, have perfect risk control, and dare to give credit limits; already Established cooperation with many merchants, there are many activities and full discounts
5. The four major banks can be considered. Local banks rarely do well in their activities. Considering the four major banks, one is the issuance of credit cards. For a long time, everyone may have more deposits in these four major banks. For example, if you have a 10W deposit in ICBC, based on your financial resources and star rating, the card limit will definitely be higher than that of someone without deposits and turnover.
6. Platinum Card: This depends on each person’s needs. Platinum Cards generally have annual fees or have higher requirements for annual fee exemptions, such as how many purchases or how much money you need to spend each year. The higher-end ones will not waive the annual fee at all, but the services will be even better, such as an annual physical examination at a tertiary hospital, VIP lounges on airplanes and high-speed rails that can take people to rest, free airport transfers, parking and other rights.
Baijiahao wrote this article on choosing a credit card
How about Ping An Bank’s credit card?
Ping An Bank’s credit card is still good, not only good Credit lines, there are many practical benefits for different card types. Ping An Bank also has many cooperative credit card merchants and launches some preferential activities from time to time. Of course, Ping An Bank has a wide distribution of outlets and convenient repayment methods.
There are certain age requirements for applying for a Ping An Bank credit card. To apply for a Ping An Bank credit card, you must be over 18 years old and under 60 years old. If you are an overseas person applying for a Ping An Bank credit card, you need to meet the age requirement of 25 to 60 years old. If the applicant does not meet the application age for Ping An Bank credit card, he cannot apply for Ping An Bank credit card.
Ping An Bank credit card application requirements:
1. Applicants must meet certain age requirements. Applicants need to be Chinese citizens over 18 years old and under 60 years old, or over 25 years old. Foreigners under 60 years old.
2. The applicant needs to be a natural person holding a valid identity document and having full capacity for civil conduct.
3. If you want to apply for a Ping An Bank credit card, a good personal credit report is one of the necessary conditions. Applicants must have good personal credit before applying for a Ping An Bank credit card. Personal credit has a certain impact on bank-related business.
4. A stable job and legal income are also one of the conditions for applying for a Ping An Bank credit card. The bank must ensure that the applicant has the ability to repay the credit card balance.
5. Applicants need to have certain financial conditions and provide some asset certificates to the bank. The stronger the personal assets provided, the higher the approval rate for applying for a Ping An Bank credit card.
How about Ping An Bank’s credit card?
Ping An Bank’s credit cards are still very convenient, because many of Ping An Bank’s credit cards now cover various consumption scenarios.
If you are just an ordinary user, I think Ping An Bank’s credit card services can basically cover all the needs of ordinary users, such as the daily consumption and daily travel we often mentioned, and even points services and Points rebate.
Let me first briefly talk about the issue of Ping An Bank’s credit card.
We can understand it this way, no matter which bank’s credit card it is, whether it is a credit card from Ping An Bank, a credit card from Industrial Bank, or the China Merchants Bank and CITIC Bank we often mentioned, every bank The credit card functions are basically the same and can basically cover all the needs of ordinary users. When you choose to apply for a credit card, you need to focus on the additional services provided by the credit card. Ping An Bank has many additional services, which is particularly critical.
Ping An Bank can support a variety of consumption scenarios.
We can understand conventional consumption scenarios as daily consumption. However, for the various types of credit cards of Ping An Bank, different types of credit cards of Ping An Bank have different focuses. From the perspective of consumption and consumption rebates, Ping An Bank's credit cards can basically be ranked among the top three credit cards of this type of bank. I have many credit cards, and Ping An Bank Credit Card is one of them.
You can also consider applying for credit cards from other banks.
The various functions of other credit cards are highly similar. If conditions permit, you can also apply for credit cards from other banks. Generally speaking, it is a good choice for ordinary people to apply for 1 to 3 credit cards after they enter society. If the number of credit cards exceeds three, your financial risks may increase at this time.
You can completely evaluate your financial situation and apply for credit cards from different banks according to your actual needs, so that you can achieve temporary cash flow control in emergencies.
That’s it for the introduction of Ping An Credit Card.