The newly activated Ping An Credit Card can apply for cash installment and consumption accumulation fund. Ping An credit card cash installment is also called "spiritual fund", which is a kind of cash installment business. Master card means that after the cardholder applies for cash installment, he can withdraw cash in full or in a certain proportion within the credit line of Ping An Credit Card (excluding temporary credit line) at one time, and repay the principal and a certain amount of handling fee by installment. Consumer reserve fund means that Ping An Bank provides cardholders with small consumption through active invitation in order to meet the consumer demand of the presiding cardholder.

First, Ping An Credit Card cash installment application method

1. Telephone application: cardholders can call Ping An Bank Credit Card Center at 955 1 1-"2 "to transfer to customer service. The cardholder applies to the customer service staff for cash installment, and the cardholder selects the installment number, installment amount, debit card account number and loan reason.

2. Online banking application: The cardholder logs in to Ping An Bank official website, chooses to apply for cash installment, selects installment number, installment amount, debit card account number, loan reason, and enters dynamic password and cash withdrawal password to complete the application.

Two. Ping An Credit Card Cash Installment Fee

Amount payable in the first installment = total installment amount ÷ number of installments (the remainder is recorded in the amount payable in the first installment)+total installment amount × handling fee rate in each installment, and the remaining amount payable in each installment = total installment amount ÷ number of installments+total installment amount × handling fee rate in each installment. No annual fee will be charged in the first year, and no annual fee will be charged in the second year if you swipe your card six times.

Three, Ping An credit card reserve application conditions

Ping An Bank will regularly update the target customers who meet the requirements of applying for "special consumption reserve". Only the target customers can apply for the "special consumption reserve" from Ping An Bank, and the bank did not list the specific conditions. The special consumption reserve is only applicable to Ping An Bank credit card holders, and customers in the designated list are invited by Ping An Credit Card Outbound Marketing Specialist.

Four. Precautions for Ping An Credit Card Reserve

After the "special reserve fund for consumption" arrives, the cardholder's credit card current arrears will be offset first. The principal and handling fee of each installment will be fully included in the minimum monthly repayment amount and occupy the available credit card account of the cardholder. The cardholder needs to notify the repayment according to the credit card statement and SMS. If the repayment is overdue or insufficient, the corresponding interest and late fees will be charged.

Page Name: Ping An Bank Personal Customer Online Banking

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