How to use the special installment of Ping An Bank's exclusive quota?

The usage of the exclusive line of Ping An Bank is as follows:

1. Ping An Bank's credit card special line can only be used in the pocket mall area and designated industries, such as home improvement, airlines, travel agencies, digital home appliances and other industries.

2. This exclusive limit is independent and will not occupy the credit card limit. Quotas can only be used for special purposes and cannot be used in other fields.

3. Cardholders can apply for a special quota from Ping An Customer Service. After approval, they usually use a credit card to swipe their cards, and the amount of consumption will be automatically phased.

4. In addition, the exclusive credit limit of Ping An Credit Card is up to 300,000 yuan, which is evaluated by Ping An Bank according to comprehensive factors such as everyone's credit status, repayment ability, economic status and debt ratio.

If you want to increase this amount, you'd better submit more financial proof materials to prove that you have strong repayment ability.

Rules:

1. The currency of "special installment" is limited to RMB, and the exclusive quota cannot be recovered within the same validity period and will not be recovered with repayment or return.

2. When the cardholder opens the "special installment" function, it is necessary to make an appointment to set the initial installment amount and installment number.

3. When the cardholder opens the "special installment" function, it is necessary to make an appointment to set the initial installment amount and installment number. The initial installment amount is the initial amount for the cardholder to set up a single consumption installment, which is divided into six files: 500 yuan, 1000 yuan, 2,000 yuan, 5,000 yuan, 10000 yuan and 20,000 yuan * *. Series can be selected from 6, 12, 24 and 36 * * *.

4. Customers who have enabled the "special installment" function can modify the agreed first installment amount and installment number or turn off the "special installment" function through Ping An Pocket Bank APP or customer service from 4: 00 to 23: 00 every day, which will take effect immediately after modification or turn off.

5. The types of merchants that cardholders can handle "special installment" can be inquired on the special installment page of Pocket Bank APP. Ping An Bank has the right to adjust the available merchant types from time to time. The system judges whether it meets the requirements of "special installment" according to the merchant type code actually corresponding to the cardholder when exchanging merchants.

6. "Special installment" supports pos card swiping, chip card inserting and flash payment, but does not support pre-authorized transactions.

Extended data:

Matters needing attention

In order to avoid being charged by the bank, some cardholders turn to the bank to apply for a temporary increase in overdraft limit, the increase rate is mostly 10%-20%, and the term is usually 1 month. After the specified time, the credit card was restored to the original limit. Therefore, cardholders must remember the term of the temporary limit to avoid the phenomenon of overdue repayment of credit cards.

In addition, we should also pay attention to the problem of temporary increase in over-limit: if overdraft is used in the second half of the month, it is likely that the excess will result in over-limit fees. For example, A's credit card overdraft is 50,000 yuan. 12 applied to the bank to increase the temporary line of RMB 30,000.00 yuan on February 20th, but it was not until June 30th of 15 that the RMB 30,000.00 yuan was used. By June 20th, 65438+, A's credit card overdraft was automatically reduced to 50,000 yuan, but in fact, A overdrawn 80,000 yuan in June of 65438+, and 30,000 yuan between them would generate 5% overrun fee.

Therefore, before the credit card overdraft limit is automatically reduced to the original limit of 50,000 yuan, the cardholder should first return 30,000 yuan and control the outstanding amount within the overdraft limit of 50,000 yuan to avoid paying the overrun fee.

Bank financial planners also reminded that in view of the large amount of credit card consumption during the Spring Festival, cardholders should pay special attention to the last repayment date of credit cards, which is the last day of the interest-free repayment period. Before that, the repayment is interest-free. Overdue, all consumption funds will no longer enjoy interest-free repayment treatment. The bank will calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of 0.5 ‰, compound interest on a monthly basis, and add a late fee.

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