Ping An Bank's spiritual fund refers to a business form in which the cardholder withdraws all the credit lines of Ping An Credit Card in full or in a certain proportion at one time when there is a need for funds or consumption, and then repays them in installments through installment business.

In this way, the line can be cashed at one time, and the amount will directly reach the Ping An Bank savings card. Of course, in order to make the credit amount in one step, it is necessary to pay a certain amount of handling fees, and at the same time, repayment needs to be paid monthly according to the interest generated by the repayment cycle. Extended information

To apply for the spiritual payment, the following conditions must be met:

1) The applicant is the cardholder of the main card (the supplementary card cannot be applied for), and the card holding time has expired for 3 months (inclusive) or more.

2) The currency is limited to RMB, and the application amount must be an integer multiple of that of 1 yuan, with a minimum of 2, yuan and a maximum of 5, yuan and the available credit line (including temporary credit line and excluding overpaid card payment).

3) If the installment is successful, the arrival time of funds is generally related to the processing time; if it is processed from 7: to 17: , the approved order will be transferred to the debit card in real time; If the order is approved after 17: , it will be transferred to the debit card at 7: the next day. (This real-time disbursement refers to the transfer-out time of Ping An Bank's funds, and the specific arrival time also depends on the issuing bank of the debit card. )

Ping An Bank-Terms and conditions of installment payment of Ping An Bank's credit card "Ling Yong Jin"