Ping an credit card reserve fund can be applied again if it is rejected, and whether it passes or not is decided by the audit system.

According to Article 7 of the installment payment clause of Ping An Bank's credit card "special consumption reserve":

When a cardholder applies for "special reserve fund for consumption", the bank has the right to decide whether to approve his application independently according to the cardholder's credit record and the relevant business regulations and business judgments of the bank. After the bank approves the cardholder's application, it will transfer the "special consumption reserve" to the cardholder's credit card account. Once the application is approved, the cardholder may not change or cancel the application.

The "special reserve fund for consumption" is applicable to the application of the credit card host issued by the bank, except for the affiliated cardholders. The bank will regularly update the target customers who meet the requirements of applying for "special reserve fund for consumption", and only the target cardholders can apply for "special reserve fund for consumption" from the bank.

Extended data:

The relevant provisions of the installment terms and detailed rules of Ping An Bank's credit card "special consumption reserve".

The currency of "special consumption reserve fund" is limited to RMB. The application qualification, the amount that can be processed and the number of application periods shall be comprehensively evaluated by the bank according to the customer's card use, and the maximum amount that can be processed shall not exceed RMB 300,000.

After the successful application of "consumer reserve fund", the total installment amount does not occupy the available amount of the cardholder's credit card account, but it will occupy the available amount after posting the installment principal and handling fee.

"Special consumption reserve fund" shall not be used for the following purposes and purposes:

1. Do not enter the securities market in any form, or use it for speculative operations such as equity investment, securities and futures and private lending;

2, shall not be used for real estate project development, the purchase of housing;

3. It shall not be used in non-consumption fields such as production, operation and investment;

4. Other circumstances that do not comply with national laws, regulations and regulatory provisions.

Ping An Bank-Terms and Conditions of Installment Payment of "Special Consumption Reserve" of Ping An Bank Credit Card

Temporarily does not meet the conditions for withdrawing the reserve fund.

The user's application for Ping An reserve fund was rejected for one second, mainly because it did not meet the conditions for the use of Ping An reserve fund.

The application conditions of Ping An reserve fund are that the applicant must be the main cardholder of Ping An Credit Card, the application amount is not less than 2000, and the applicant's personal credit information is good.

As long as one or more of the conditions are not met, there will be a second refusal to apply for the reserve fund.

Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank, and is used to query the social credit of individuals or enterprises. Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information.

The new version of the central bank's personal credit information system was put into operation, and the "validity period" of overdue records was officially set at five years. The new credit report sets the starting point of overdue information as 65438+2009 10 month, and the previous bad repayment record has been deleted.

Because the relevant departments have not clearly defined the restrictions on negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.

If it is recorded in the credit report that you borrowed money and didn't pay it back, the bank must be cautious when considering whether to provide you with a loan. Banks are very likely to let you provide mortgage, guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to give you a loan. If the credit report shows that you have borrowed a lot of money, the bank will be very cautious, for fear that you may refuse to provide you with more loans because you have too much debt to bear.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.

The emergence of credit investigation activities stems from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage.

The essence of credit is a creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee. However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and even the whole world, it will be extremely difficult for one party to know the credit status of the other party.

At this time, understanding the credit status of market participants has become a demand, and credit investigation activities have also emerged. It can be seen that credit investigation is actually produced and developed with the emergence and development of commodity economy, and it is a credit information service provided for credit activities.

Why did Ping An Reserve Fund refuse?

The user's application for Ping An reserve fund was rejected for one second, mainly because it did not meet the conditions for the use of Ping An reserve fund. The application conditions of Ping An reserve fund are that the applicant must be the main cardholder of Ping An Credit Card, the application amount is not less than 2000, and the applicant's personal credit information is good. As long as one or more of the conditions are not met, there will be a second refusal to apply for the reserve fund.

Ping An Bank reserve fund is actually a small emergency fund specially provided for customers with Ping An credit cards. After the customer receives the Ping An consumption reserve fund, it can be used for daily credit card consumption and online payment (which takes precedence over the credit line of the credit card after receipt), and can also be used to offset the bill that has been issued.

However, Ping An Consumer Provident Fund cannot be withdrawn, transferred or recycled. If you want to make a large transaction, you have to call Ping An Bank's customer service hotline 955 1 1 in advance to open a single large consumption.

You also need to pay attention to the fact that after the Ping An consumer reserve fund arrives, the fixed principal and handling fee will be repaid monthly from the second month, regardless of whether the customer uses it or not, so the customer had better use it as soon as possible.

If you want to apply for Ping An Consumer Reserve Fund, only the main cardholder can apply, but the supplementary cardholder cannot. The currency of application is limited to RMB. The application amount of the reserve fund cannot be higher than 500,000 RMB, and certainly not lower than 3,000 RMB.

Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks. The registered capital is 565,438 yuan+23.35 million yuan and the total assets are nearly 65,438 yuan +0.37 trillion yuan. Its headquarters is located in Shenzhen, Guangdong Province.

China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An") and its holding subsidiaries hold about 2.684 billion shares of Ping An Bank, accounting for about 52.38%, and are the controlling shareholders of Ping An Bank. There are 34 branches in China and representative offices in Hongkong.

20 12, 1, Shenzhen Development Bank, the predecessor of Ping An Bank, acquired Shenzhen Ping An Bank, a subsidiary of Ping An Insurance Group. After the acquisition, SDB changed its name to New Ping An Bank, which officially opened. 2065438+On June 26th, 2009, eight banks including Ping An Bank launched the first batch of enterprise information networking verification systems.