How to settle Ping An Bank installments in advance

Ping An Bank credit card installments can be repaid in advance through the "Ping An Pocket Bank" mobile client, as follows:

1. Download the "Ping An Bank Pocket Bank" mobile client.

2. Click "More" in "Credit Cards".

3. After entering, click "Instalment Early Settlement" in "Instalment Loan".

In addition, users can also apply through the Ping An Bank credit card customer service hotline 95511 to 2 or go to the counter of a Ping An Bank business outlet. It should be noted that users still need to pay corresponding handling fees when repaying credit card installments in advance.

CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department for shopping or consumption, and then The bank makes settlements with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The methods of credit card repayment are:

1. Repayment through ATM machine. Cardholders can go to the bank's ATM machine, insert the card for deposit, and deposit the money into the credit card to repay the money.

2. Mobile banking repayment. All major banks have mobile banking software. Once installed on your mobile phone, you can repay credit cards.

3. Alipay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage to repay after binding the credit card.

4. WeChat repayment. There is a credit card repayment function on WeChat. Click "Me" - "Pay" to see the "Credit Card Repayment" function.

5. Repayment at bank counter. Cardholders can go to bank branches with their credit cards, ID cards and cash and handle credit card repayment over the counter.

Credit card loans can generally be paid off in advance, but the specific regulations are subject to the bank's regulations. Since credit card loans sometimes charge a one-time handling fee, repaying the loan early does not save the handling fee. At the same time, according to the provisions of the contract, sometimes early repayment requires liquidated damages. Before applying for a credit card loan, users should inquire whether they can repay in advance, whether they need to pay penalty for early repayment, and whether early repayment can save interest, etc.

If the credit card loan supports early repayment, the user can make early repayment through mobile banking, online banking or bank counter.

How to repay the installment of Ping An Credit Card?

After the installment of Ping An Credit Card is successful, the principal and handling fee of the installment will be debited to the credit card statement on time every month. You only need to follow the statement on Just pay before the final payment date. You can log in to Ping An Pocket Bank APP-Credit Card-More-Instalment Loans-Historical Installment Inquiry to view the installment details.

If you have any questions, you can click the link below and select the online customer service icon - credit card in the upper right corner of the homepage or follow the Ping An Bank Credit Card WeChat public account (paxyk95511) for consultation.

Response time: 2020-09-10. For the latest business changes, please refer to the official website of Ping An Bank.

[Ping An Car Owner Loan] You can get a loan if you own a car, up to 500,000

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How to installment with Ping An Credit Card

Ping An Bank credit card can be processed for installment through the following methods:

1. Dial Ping An Bank’s customer service hotline 95511 and use manual customer service to handle credit card installment business.

2. Bring your valid ID and credit card to any branch of Ping An Bank and handle the installment business at the counter.

3. Log in to the official website of Ping An Bank Credit Card, click Installment Management, select the type of installment you want to apply for, and click Install Now.

Operating environment:

Brand model: Lenovo yoga14s

System version: Windows 11 Professional Edition

App version: v98.0.4758.82

The installment payment method was developed after World War II. At the beginning, it was limited to the purchase of general daily commodities or services. Later, with the rapid development of productivity, the scale of industrial and agricultural production expanded day by day, and the required expenses increased. In addition, with the development of bank credit, the field of installment payment expanded to the purchase of large machinery, equipment and raw materials by enterprises.

With the improvement of China's financial services and changes in people's consumption habits, installment payment consumption, which is popular abroad, has been introduced into the country and has been quickly recognized by domestic consumers. Those who consume through installment payment are usually young people who currently have poor payment ability but have consumption needs. The products they consume are usually laptops, mobile phones, digital products, etc.

Instalment payment options are usually offered jointly by banks and installment payment providers. Banks provide consumers with personal consumption loans equivalent to the amount of goods purchased. Consumers use the loans to pay suppliers. At the same time, suppliers provide guarantees for consumers and assume irrevocable joint liability for debts. Young people who use installment payment methods are often called "installment people".

Instalment payment is actually a loan provided by the seller to the buyer. The seller is the creditor and the buyer is the debtor. The buyer can obtain the required goods or services after paying only a small part of the payment. However, because future installment payments include interest, the amount paid for the same goods or services by installment payment is higher than that of a one-time payment. The payment for goods is more.

On the one hand, the installment payment method allows the seller to complete promotional activities, and on the other hand, it also provides convenience to the buyer.

How do I divide my Ping An Bank credit card bill into installments? How to calculate the monthly payment if the installment is 30,000 in December? Interest handling fee

Monthly repayment = 3000/12 30000.64= 269.20 yuan.

Ping An Bank is divided into 2 and 3 installments, with a monthly handling fee of 0.7; divided into 4 to 6 installments of 0.68; divided into 7 to 9 installments of 0.66; divided into 10 to 12 installments of 0.64, with a monthly handling fee.

Handling fee per period = total installment amount × handling fee rate per period. The total principal amount of the installment is amortized evenly on a monthly basis, and the remainder is included in the last installment. The installment amount of each installment and the handling fee of each installment are recorded at the same time.

Ping An Bank’s credit card installment purchases are divided into: mail order installment and bill installment. The credit limit is based on the maximum limit obtained when the cardholder first applies for a credit card. If the cardholder holds multiple credit cards issued by Ping An Bank, the highest credit limit will prevail.

Extended information

1. Mail order installment

Card holders receive an installment mail order catalog brochure sent by the card-issuing bank and choose from limited products. Then order the installment by mail from the bank by ordering from the online installment mall, calling or faxing the mail order installment application form. Mail order installment generally does not charge a handling fee regardless of the number of installments.

2. Bill installment

After swiping the card for consumption and before the monthly statement is sent, you can submit an installment application to the card-issuing bank by phone or other methods. However, it should be noted that each bank will stipulate some special cases. For example, speculative card swiping will not be successful in installments.

The main benefits of credit card installment payment:

1. Enjoy first, pay later.

2. No guarantor required and the procedure is simple.

3. Fixed time and fixed amount, easy payment.

4. You can choose any monthly repayment amount as you like

5. More options for payment methods.

Baidu Encyclopedia - Ping An Bank Credit Card

Baidu Encyclopedia - Credit Card Bill Installment

Baidu Encyclopedia - Credit Card Installment

About This concludes the introduction of how to repay Ping An Credit Card in installments and how to repay Ping An Credit Card in installments. Did you find the information you need?