An overdue credit card from Ping An Bank received a traffic restriction order, saying that arrests would be carried out in the station and airport area. This is true and false.

When the credit card is not repaid on time, in addition to accruing interest, Liquidated damages will also affect personal credit records and later personal credit or finance and other private businesses. Banks will also recover arrears through phone calls, text messages, door-to-door visits, legal and other methods. It is recommended to communicate with debt collectors in a timely manner for repayment.

How to break the consumption restriction on Ping An Credit Card

1. Open the Ping An Pocket Bank APP and complete the login verification. After successfully entering, find the credit card option.

2. Click the "Intelligent Customer Service" logo floating on the lower right and complete your identity verification.

3. Enter "manual customer service", contact the manual customer service to report that your credit card has been restricted for transactions, and request that the restriction be lifted.

Credit card:

Credit card refers to an electronic payment issued by a commercial bank or other financial institution that has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. Card. Credit card is a non-cash transaction payment method and a simple credit service; consumers with credit cards can go to a special commercial service department to shop or consume, and then the bank will settle the payment with the merchant and cardholder. The cardholder can Overdraft within the prescribed limit. Credit card refers to the credit payment instrument issued by the People's Republic of China and various commercial banks within the country (including foreign-funded banks and Sino-foreign joint venture banks, hereinafter referred to as commercial banks) to individuals and entities.

How to use credit card:

1. Activate the credit card. After successfully applying for the credit card, it can only be used after activation.

2. Consumption or cash withdrawal: Once the credit card is activated, it can be used for consumption. It can be bound to Alipay, WeChat and other software for consumption payment, or it can be swiped at merchants for consumption. If you need cash urgently, you can also withdraw cash through bank counters or ATMs.

3. Repayment: Return the arrears after consumption and cash withdrawal as scheduled to avoid affecting future consumption.

Notes on using credit cards:

1. Repay on time: If the debt is not paid off on time, it will affect your credit record, and you will also be charged penalty for delay.

2. Consumption diversification: You can swipe your card for consumption in places you don’t use, such as restaurants, shopping malls, etc.

3. Don’t swipe your card at intervals that are too short: the frequency of swiping your card should not be too frequent. If the card swiping action is abnormal, it will be easy for the bank to carry out risk control.

Disadvantages of credit cards:

1. Credit cards can easily lead to over-consumption. This is a common problem among people who are in credit card debt. It is painful to swipe a card without paying money, so they spend even more uncontrollably by swiping the card.

2. The annual interest rate of credit card is as high as 18, which is true and can make borrowers lose money quickly.

3. Credit card debt brings mental stress. Some card slaves report that they are often afraid to open their mailbox or mail.

4. If your credit is not good, the cost of borrowing money will be higher, or you may even be unable to borrow money.

5. Credit cards provide a choice of using debt to support debts or drinking poison to quench thirst, causing debts to get out of control.

How many days is the grace period for Ping An Credit Card?

Ping An Credit Card has a three-day grace period for repayment. If you fail to repay the minimum payment amount of the current bill before the payment due date (inclusive), then as long as you can repay the minimum payment amount within the grace period, it will also be regarded as on-time repayment by Ping An Bank. without causing overdue payment. In addition to a repayment grace period, Ping An Credit Card also provides a tolerance service: after the due repayment date, as long as the unpaid balance on your Ping An Credit Card does not exceed 10 yuan, Ping An Bank will treat it as the cardholder's full payment. The outstanding balance will be automatically transferred to the next bill.

How to remove consumption restrictions on Ping An Credit Card?

The unblocking process is as follows:

Open the Ping An Pocket Bank APP and complete the login verification. After successfully entering, find the credit card option.

Click on the "Intelligent Customer Service" logo floating on the lower right and complete your identity verification.

Enter "manual customer service", contact the manual customer service to report that your credit card has been restricted for transactions, and request that the restriction be lifted.

Extended information:

Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to credit card consumption, In addition to basic functions such as cash advance, it also has many special functions, providing cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".

Ping An Credit Card is fully protected for consumption losses within 72 hours before the loss is reported

If your credit card is lost or stolen, regardless of whether password-based transactions are set up, the credit card will be fully protected within 72 hours before the loss is reported. You can apply to the Bank for compensation for losses caused by fraudulent use of your card.

Full protection for cash advance losses if a credit card is robbed - if the cardholder is hijacked by a gangster and is coerced by the gangster and his life and health are seriously threatened, he is forced to disclose to the gangster that the cardholder has stolen the card. If the credit card password in the person's name causes the credit card to be pre-borrowed by criminals through an automated teller machine (ATM) or bank counter, the cardholder can apply for compensation from the bank.

You can choose the transaction password

When you activate the card, the consumption method we set for you is "signature only". If you choose "Sign with password for consumption", please call the 24-hour customer service hotline to apply for settings. After setting the transaction password, you can also change the password through the Bank's ATM cash machines, CDM deposit machines, 24-hour customer service hotline or by logging in to the Bank's credit card website.

Home Security

All Ping An Bank credit card holders can enjoy home theft protection. Cardholders only need to activate the card and successfully swipe it once (no limit on amount). Free home property theft insurance and door and window lock malicious damage insurance. Gold card holders can also receive cash and gold and silver jewelry theft insurance to protect your home safety.

Worry-free travel protection

As long as you use the Ping An Bank credit card gold card you hold, swipe the card to pay for yourself 100 passenger civil air tickets for the flight (not limited to domestic and international flights) By paying a ticket or paying a tour fee of RMB 80 or more (including air transportation), you can receive aviation accident insurance coverage of up to RMB 2 million.

How many days is the overdue grace period for Ping An Credit Card?

The repayment grace period for Ping An Credit Card is three days. Generally, repayment within the grace period will be regarded as on-time repayment. When repaying a credit card, you should also pay attention to the following points:

1. If you pay it off in full, no fees will be incurred;

2. The repayment amount is less than the minimum payment stipulated by the bank. If the payment is overdue, the interest will be 0.05, and a late payment fee of 5% of the unpaid portion of the minimum repayment will be charged;

3. The repayment amount is greater than or equal to the minimum repayment, and is less than the full repayment amount. If you make a payment, you need to pay interest at 0.05.

Extended information

1. Ping An Bank credit card annual fee

Ping An Bank credit card annual fee is charged according to different card types. The specific details are as follows:

1. Regular card: 100 yuan per year for the main card; 50 yuan per year for the supplementary card. ;

2. Gold Card: The main card costs 300 yuan per year; the supplementary card costs 150 yuan per year.

3. Platinum credit card: 2,800 yuan per year for the main card; 1,800 yuan per year for the supplementary card.

There is also a relevant annual fee-free policy: Ping An Credit Card is exempt from annual fees in the first year, and if you make any 6 purchases with a single card (no limit on amount and payment channel), the annual fee for the card will be waived in the following year. In this way, analogy.

How many days is the grace period for Ping An Bank credit cards?

The grace period for Ping An Bank credit cards is three days.

Ping An Bank provides credit card customers with a time-tolerant repayment service. The time-tolerance repayment service provides users with a 3-day repayment grace period.

As long as If the credit card holder confirms that the payment has been received before 24:00 on the last day of the three-day grace period, it will not be considered an overdue payment and does not need to pay overdue interest.

Main features of credit card:

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and meet social needs.

Main types

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of card issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

That’s it for the introduction of the Ping An Credit Card Debt Restriction Order.