After the Ping An Bank credit card is suspended, it cannot be opened.

Relevant regulations of Ping An Bank of China credit card:

1. The account balance of electronic cash can still be used by others. The electronic cash compensation will be deducted from the credit card account, and the amount is equivalent to the amount reported as lost. If the balance of the original electronic cash account is not used after the original lost card expires, the electronic cash compensation that has been deducted will be returned to your valid credit card one month after expiration. account.

2. Handle the collection and payment of funds arising from the temporary business activities of temporary institutions and depositors. Cash withdrawals from temporary deposit accounts should be handled in accordance with national cash management regulations. The scope of opening a temporary deposit account: establishment of temporary institutions, temporary business activities in other places, registration and capital verification.

3. As an emergency function when you need cash urgently, you can advance cash to the bank first. The borrowed cash will be listed on the next bill and can be paid together with the consumption payment. Cash withdrawals cannot enjoy the interest-free period and are subject to a cash withdrawal fee.

4. Handle multilateral payment issues in online trade business. Payment settlement involves multiple parties such as customers, merchants and banks. The purchased purchase information and payment instruction information must be connected together, because merchants will only continue transactions after confirming certain payment information, and banks will only provide payment after confirming payment. .

In order to ensure security, merchants cannot read customers' payment instructions, and banks cannot read merchants' purchase information. This multilateral payment relationship can be realized by using technologies such as double digital signatures provided by the system.

5. Each card can withdraw up to the equivalent of 10,000 yuan in local currency per day; if you use MasterCard and other other networks to withdraw cash, each card can withdraw up to the equivalent of 1,000 US dollars in local currency per day. Note: For cash withdrawals using non-UnionPay networks in countries where U.S. dollars are not circulated, a foreign exchange fee of 1.5% of the cash withdrawal amount will be charged

Therefore, Ping An Bank credit cards cannot be opened after they are suspended.

Extended information:

The functions of Ping An Bank of China credit card:

1. Spend first and repay later, enjoy the interest-free payment period (up to 56 days), and there is a minimum repayment amount. Customers can repay in installments if they are overdrafted. Customers need to pay a certain amount of annual fees to the bank they apply for.

2. A prepaid wallet debit card that transfers funds to the card for storage according to the cardholder's requirements and deducts money directly from the card during transactions. .

3. The cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, it is a credit card that can be overdrafted within the credit limit specified by the card-issuing bank.

4. A single-currency, single-account credit card that bears interest on deposits and settles purchases in RMB. It has functions such as transfer settlement, cash deposits and withdrawals, credit consumption, and online banking transactions. When the account balance is insufficient for payment by swiping the card for consumption or cash withdrawal, the cardholder can overdraft consumption or cash withdrawal within the prescribed limited credit limit, and a certain amount of interest will be charged. There is no interest-free repayment period.

Baidu Encyclopedia-Ping An Bank

Ping An Bank Official Website-Credit Card Terms

Baidu Encyclopedia-Credit Card