2. The repayment amount should be as low as possible, preferably below 30% of the bill amount.
3. Safety risk control is reflected in: whether there is a reserve fund.
The essence of Ping An reserve fund is a credit card loan by installment, which can be used for personal or family expenses. For example, if you have a large expenditure recently, you can apply for a reserve fund. After the application is successful, you can pay in installments automatically, and then you can take overdraft card to the POS machine.
Ping an reserve fund cannot be withdrawn, otherwise it is likely to be controlled by bank risks. If financial institutions find that the main purpose of your reserve fund is abnormal, they are likely to submit consumption vouchers to you. If you can't take out the proof of infection, Ping An Bank Credit Card will retrieve your petty cash credit limit, allowing you to repay in advance with installment fee.
Ping An Reserve Fund is the installment repayment business process of Ping An Bank's credit card, and the application for repayment is of course carried out by installment payment. However, in the case of loan repayment, in addition to paying the cost, a certain service fee must be paid.
Ping An reserve fund is divided into 6 periods, 12 period, 18 period and 24 periods. You can choose the stages by yourself, and then repay by stages.
Ping An Bank reserve fund is actually a small emergency fund specially provided for customers with Ping An credit cards. After the customer receives the Ping An consumption reserve fund, it can be used for daily credit card consumption and online payment (which takes precedence over the credit line of the credit card after receipt), and can also be used to offset the bill that has been issued. However, Ping An Consumer Provident Fund cannot be withdrawn, transferred or recycled. If you want to make a large transaction, you have to call Ping An Bank's customer service hotline 955 1 1 in advance to open a single large consumption. You also need to pay attention to the fact that after the Ping An consumer reserve fund arrives, the fixed principal and handling fee will be repaid monthly from the second month, regardless of whether the customer uses it or not, so the customer had better use it as soon as possible. If you want to apply for Ping An Consumer Reserve Fund, only the main cardholder can apply, but the supplementary cardholder cannot. The currency of application is limited to RMB. The application amount of the reserve fund cannot be higher than 500,000 RMB, and certainly not lower than 3,000 RMB.