What is the spiritual fund of Ping An Bank? Ping An Bank's credit card application threshold is not high, but many people still don't know how to apply for Ping An Bank's spiritual fund.

the full name of ping an bank's spiritual fund is the cash installment payment business of ping an credit card spiritual fund, that is, in order to meet its own consumption demand, the presiding card overdraws and withdraws cash in a certain proportion within the credit limit of ping an credit card at one time, and repays the principal and a certain amount of handling fee in installments.

cardholders can choose to apply for 3, 6, 12, 18 or 24 installments; Amount payable in each installment = total installment amount, number of installments (the remainder is recorded in the first installment amount)+total installment amount, and handling fee rate in each installment.

the installment rate of the fee for spiritual use:

the rate for the third installment is .6% and .99%; The rate for the 6th installment is .62% and .89%; The rate for the 12th installment is .64% and .83%; The rate for the 18th installment is .64% and .83%; The rate for the 24th installment is .64% and .83%.

applicants can apply directly by calling Ping An Bank's credit card customer service phone; After the application is successful, the total installment amount will occupy your credit line, and the occupied credit line will be restored with the repayment of each installment.

if the cardholder applies to pay off the unpaid installment balance in advance, the cardholder must pay the unpaid installment balance in one lump sum after approval by our bank, and the unsettled handling fee will be charged at 3% of the principal settled in advance.