There are many types of credit cards in Ping An Bank, but some card friends blindly handle cards without knowing the card types, which brings them a lot of trouble. For example, a cardholder has applied for a Zhang Pingan installment card, and the original 300 yuan has been automatically divided into 12 installments, so we know that it is an automatic installment credit card. Let's take a look together.
What kind of card is the Ping An installment card?
The full name of Ping An installment card is Ping An installment credit card, which is a UnionPay single currency card. Only the main card has no secondary card, and only cities such as Jinan, Taiyuan, Zhengzhou, Shijiazhuang, Fuzhou, Haikou, Hefei, Qingdao, Xiamen, Huizhou and Wuhan can apply.
It is not difficult to find out from the name that Ping An installment card is a credit card of Ping An Bank for customers with installment needs, so the function of this credit card is installment. After handling this card, the credit card will be automatically phased when the consumption reaches a certain amount, and the cardholder does not need to apply again.
How to use the Ping An installment card?
The use of Ping An installment card is no different from that of ordinary credit cards. It can be used not only online, but also in physical stores.
However, unlike ordinary credit cards, when the single consumption amount of Ping An installment card reaches 300 yuan, the system will automatically divide the consumption amount into 12 installments by default. The handling fee rate of each installment, the installment amount and the number of installments cannot be changed, but the installment can be terminated by prepayment, but it is not necessary.
Because Ping An Credit Card repays the processed consumption in installments in advance, the unpaid installment amount and handling fee need to be paid off in one lump sum, which is very uneconomical.
The above is the introduction of "What kind of card is the Ping An installment card", and I hope it will help everyone. In short, Ping An installment card is an automatic installment credit card. After issuing the card, when the cardholder's single consumption is greater than or equal to 300 yuan, it will be automatically divided into 12 periods. If there is no installment demand, do not apply for this credit card.
Advantages and disadvantages of ping an credit card without card
1. Consumption: Ping An's card-free consumption needs the help of third-party payment. Cardholders must first enter++,expiration date and security code on WeChat, Alipay and China UnionPay Express APP to complete card binding, and then support online or offline scene consumption of credit card payment through code scanning and UnionPay mobile payment.
2. Cash withdrawal: Many electronic credit cards can also withdraw cash. Nowadays, many bank ATMs have the function of withdrawing money without a card. You can withdraw money by scanning the code of mobile banking.
What is peace without cards?
Ping An Card-free is issued for young people (bachelor degree or above) aged 20-35 in developed areas. Young white-collar workers and open-minded customers with fixed social circles (including cardholders and cardholders) can apply. It's a real virtual card. You can use the Pocket Banking APP, credit card, and credit card service. You don't need security, fill in the information, or apply for real-time approval through a salesman, and get off the card as soon as possible. Ping An issued UnionPay RMB single-currency card without card and no annual fee. Non-physical cards valid for 5 years will accumulate mileage points after you spend them.
Ping an credit card limit
Ping An Bank's credit card overdraft limit generally has two levels. The first level is 3000-50000 yuan, like Ping An Bank Gold Card. Ping An Bank will evaluate your credit status according to the information you provide, such as your previous repayment, and set a limit within this range, which is your overdraft limit;
The second level is more than 50 thousand yuan, which is the platinum credit card of Ping An Bank, which is a credit card with a relatively high overdraft limit. In addition, the Platinum Card not only has a high credit limit, but also enjoys VIP services such as five-star business trips and high insurance coverage.
If you want to apply on the same day and know the result on the same day, you can use your card on the same day. It is very good for us to choose Ping An Bank first. Ping An Bank has a way to approve cards in seconds.
This second batch of wonderful ways is suitable for two kinds of people. The first type is white households, that is, they have never applied for credit cards and loans.
The second is to have a certain credit history. For example, I have done mortgage, car loan, or other loans before, or applied for credit cards from other banks. This kind of person is also suitable for second-to-second card processing channels.
What's the difference between Ping An Bank's single-currency card and dual-currency card?
Difference 1: A single-currency card has one functional currency, and a dual-currency card has two functional currencies.
Difference 2: Only one currency can be used for settlement with single currency card. Dual-currency cards can be settled in two currencies, but these two currencies are not arbitrary and conditional.
Dual-currency card is a kind of bank card that only appeared in China in recent years. With the continuous development of China's economy and the continuous improvement of people's living standards, traveling and shopping abroad has become a very common thing, thus forming a wide demand for bank cards with++settlement. Therefore, many domestic banks have successively cooperated with international bank card organizations such as VISA and MasterCard to launch bank cards with RMB and USD settlement functions. In China, RMB settlement can be realized through UnionPay. After going abroad, you can spend and withdraw cash at ATMs of merchants and banks that support Visa or MasterCard, and settle in US dollars.
There are two main types of dual-currency cards: one is a dual-currency credit card; The other is a dual-currency debit card. Dual-currency credit cards are credit cards with RMB and USD settlement accounts, and their functions are basically the same as those of single-currency credit cards. Dual-currency debit cards also have RMB and USD settlement accounts, which can be used for deposit and withdrawal and consumption of RMB and USD without overdraft function.
Currency exchange fee/In the current situation that foreign exchange has not been fully liberalized, the dual-currency card has brought convenience to people's consumption settlement for outbound travel. Make RMB and++freely convertible within a certain limit.
Source: Dual-currency Credit Card _ Baidu Encyclopedia
Ping An Bank Credit Card Single Currency Card
A single currency card is a single currency card. At present, there are only RMB single currency cards and US dollar single currency cards. MasterCard is an international card organization. MasterCard has both single-currency cards and dual-currency cards, that is, dual-currency cards have both RMB accounts and US dollar accounts. If you need to consult Ping An Bank's credit card business, you can click on the link below to select "My"-exclusive customer service or follow Ping An Credit Card WeChat official account (paxyk955 1 1) for consultation.
What's the difference between Ping An Standard Credit Card MasterCard and Ping An Standard Credit Card UnionPay Gold Card? Can you elaborate on it? Thank you~
The difference between Ping An Standard Credit Card MasterCard and Ping An Standard Credit Card UnionPay Gold Card;
1, different distribution objects:
Ping An Standard Credit Card MasterCard is a dual-standard dual-currency card, which is jointly issued by China UnionPay and MasterCard, including RMB and USD accounts.
Ping An Standard Credit Card UnionPay Gold Card UnionPay Gold Card is a single standard single currency card, issued by China UnionPay, with only RMB account.
2. Different ways of use:
Ping An Standard Credit Card MasterCard is used overseas through UnionPay client or MasterCard client.
Ping An standard credit card UnionPay Gold Card can be traded in merchants marked with UnionPay and ATM machines, and can enjoy various preferential activities launched by UnionPay organizations from time to time.
3. Different card issuers:
Ping An Standard Credit Card UnionPay Gold Card is issued by UnionPay, a card organization in China.
Ping An Standard Credit Card MasterCard Gold Card is issued by MasterCard, an American card organization.
Extended data:
When MasterCard swipes its card on MasterCard international routes, it will be settled in US dollars, and each transaction will be charged with an exchange fee of 65,438+0.5% of the transaction amount (if the consumer directly settles in US dollars, no exchange fee will be charged). After the bill is settled, you can open the function of purchasing foreign exchange and repay the dollar bill in RMB.
You can also swipe your card at the overseas UnionPay line and settle directly in RMB.
UnionPay cards can only be consumed through UnionPay channels and settled in RMB.
Tips:
1. Take the channel of China UnionPay: credit cards are settled in RMB at home and consumed abroad, subject to the exchange rate of the card organization at the time of merchant's request.
2. Take the channels of international card organizations (VISA, MasterCard, JCB): domestic settlement of credit cards and settlement of consumption abroad in US dollars shall be subject to the exchange rate of card organizations at the time of merchants' request; If the channel of international card organization is adopted, no currency conversion fee is charged for overseas US dollar transactions, and 0.5% of the transaction amount is charged for overseas non-US dollar transactions (euros and pounds) (the cross-border handling fee is 0.5% of the transaction amount).
References:
Baidu Encyclopedia-Ping An Bank Standard Card (UnionPay+MasterCard+Gold Card)
References:
Ping An Bank-Introduction of Credit Card Types
What is Ping An Bank Credit Card Single Currency Puka?
Credit cards include Unionpay Single Currency Credit Card, MasterCard International Credit Card and JCB International Credit Card:
1. If you hold a UnionPay single-currency credit card, the card can be traded in merchants with UnionPay credit card limit and ATM, and you can enjoy various preferential activities launched by UnionPay organizations from time to time;
2. If you hold MasterCard International Credit Card or JCB International Credit Card, this card can be used on the corresponding MasterCard or JCB International Credit Card besides UnionPay credit card limit. Using international credit cards, you can also enjoy various preferential activities organized by MasterCard or JCB from time to time, so that customers can get discounts and surprises besides swiping their cards. Ping An Bank's credit card application method is as follows:
1. Download the Pocket Banking APP and Credit Card interface, click More-Card Handling Service-Online Card Handling, and fill in the information application through this interface;
2. Click to log in to the credit card website; Click Ping An One-Account Card Online Banking to enter the credit card online banking interface and select Credit Card Application-Credit Card Application.
3. Apply for bank outlets.
The launch of Ping An Credit Card UnionPay Single Currency Card and Ping An Bank UnionPay Single Currency Card has come to an end. Did you find the information you needed?