How about Ping An Bank's credit card?

My first credit card is safe. Briefly talk about my opinion!

Ping An, a bank with a long story!

As we all know, China Ping An is a large group company integrating insurance, banking and investment, and banking is an important business of Ping An Group.

Development course of Ping An Bank:

From June 5438 to February 2003, Ping An Group acquired Fujian Asia Bank, a small joint venture bank in Fuzhou, and changed its name to Ping An Bank in February of the following year, taking the first step of banking.

In June 2006, Ping An Group invested 4.9 billion yuan to acquire 89.36% shares of Shenzhen Commercial Bank. In 2007, it was renamed as Shenzhen Ping An Bank, and then the first Ping An credit card, Wan Li Communication Card, was issued.

On August 20 12, the original Ping An Bank developed deeply, absorbed and merged, and changed its name to Ping An Bank. At this time, New Ping An Bank has total assets of10.5 trillion yuan and 4 10 outlets, and has become one of the national medium-sized joint-stock commercial banks.

PS: SDB:1May, 1987, SDB publicly issued shares, which were listed on the Shenzhen Stock Exchange on 199 1 with the stock code 0 1. It is the first listed bank in New China, and also a market value giant of Shenzhen A-share market.

In 2002, the first credit card with password protection function in China was deeply developed and issued.

By the middle of 2020, the circulation of Ping An Credit Card has reached 665,438+0,480,438+0,000, ranking first in the country!

First, the characteristics of Ping An Credit Card

1. Easy to get off the card. Getting off the card is relatively simple. I remember my first credit card in and out of society was safe!

2. Strict risk control.

Ping 'an is famous for its strong wind control. I often hear about card reduction! Ping An, Guangfa and other insurance banks are all German!

The reason for strict risk control is simple, and the data cow is safe.

Qianhai Credit Information belongs to Ping An Group. 20 13 qianhai credit information system includes about 830 million natural persons and nearly 20 million enterprises and other organizations. It's way ahead. In 20 18, Ping An Credit Card has deployed 40 big data risk models for each node related to customers to comprehensively monitor and evaluate risks. So leave him alone!

3. Raise funds. For quality customers, the amount of increase is not stingy.

4. The interest-free period is 50 days. Better than China Merchants Bank, but not much better!

5. The grace period (tolerance) is 3 days per month.

6. Never mind Cardo.

7. You can exceed the limit. Generally, the limit of 10% can be exceeded, and the overrun fee will not be charged temporarily.

8. Merge letters and newspapers, and merge bills. No matter how many cards you have, only one piece of credit information is displayed. Combine bills and pay back to any card!

9. Integral

This integral value is high and easy to realize. But at the beginning of the year, the integral rules changed a lot!

Integral rule:

In February this year, Ping An's points rules were greatly adjusted, subverting the traditional credit card points model and becoming the first bank in the industry to eat crabs. The integral rule was implemented in April this year!

Summarized as follows:

1. There are no points for offline credit card spending (except some airlines and hotel merchants), and online and offline airlines and hotels designated in the domestic air travel consumption scenario can accumulate points.

Second, online consumption gives full marks;

3. Special payment methods (mobile phone) pay, UnionPay QR code, China UnionPay Express APP scan code payment, etc. ), and a single payment can accumulate more than 1 1,000 yuan;

4. 5 times points for online consumption of cooperative merchants (end of this year);

5. consumption abroad accumulated points (online or offline credit card).

Second, Ping An Credit Card Application Channels

Ping An Pre-approval Amount:

Ping An can check the pre-trial quota. There is a way:

Open Ping An Pocket Bank APP-My bank card is bound to the bank card, click on the credit card application, and then click on the amount per second.

It's just a pre-trial quota, so I can't get the card. You really can't get a card according to this amount. Finally, subject to the audit, you should check the credit information and weigh it yourself!

Card application channel:

1) Apply online

Including male Z, official website and APP. Online application is generally not recommended.

2) Offline application

Submit personal qualification certificate to show real strength.

Third, the amount.

Withdrawal channel:

Pocket banking APP；; Ping An Bank credit card number. z； Withdraw money by telephone

Withdrawal diagnosis:

The increase of Ping An's quota is somewhat regular: once every six months, it is usually fixed with a temporary quota. After temporary improvement, the fixed time will be improved on time, and then part of it will be changed to temporary fixed. Of course, there are also many overturned cars.

After Ping An updated the APP, the withdrawal diagnosis function was added. Just as sesame seeds are divided into five dimensions, Ping An credit card withdrawal also gives five dimensions:

1. Repayment on time-timely repayment, no overdue, and good credit record accumulation.

2. Diversified consumption-increase the use of cards in hotels, restaurants and department stores.

Note: Diversified consumption is a gesture of swiping a card among the factors of raising the amount, and it is also a commonplace topic.

3. Frequency of card use-develop the habit of daily card use and increase the frequency of card use.

4. consumption abroad-use overseas Ping An credit card for consumption.

Take out consumption abroad alone, why do you think!

5. Card holding time-the time when the user holds the Ping An credit card.

For reference only!

Withdrawal method:

1) Card amount.

Ping An generally raises the quota once every six months. The temporary amount does not affect the fixed amount, and the temporary amount can be increased by the fixed amount. If you want to increase the quota, Ping An must use more, and inactive consumption will affect the quota; Diversified bills, moderate installment payment, consumption abroad.

2) Curve lifting.

There are also 20,000 small platinum, 50,000 standard white and 300,000 diamond cards!

3) Invite to upgrade.

Customer service actively invites high-quality customers to upgrade platinum, such as upgrading to elite white, owner white and standard white. , clearly indicating that the new card quota will increase. After the new card is activated, you can increase the amount of the first card and charge the annual fee for the first year!

After the recent revision of the APP, there is an entrance to check the amount of the Ping An upgrade card, which is also a curve or an invitation.

Path: Ping An Pocket Bank APP- Credit Card-Management Card-Apply Now

4) Increase the amount of data transmitted through the network.

Path:

1. Ping An Credit Card official website-Find Customer Service-Click Find Data Upload-Select the materials to apply for credit line promotion, and then prompt to log in.

2. Find my quota-apply for cash withdrawal-upload the prepared information and pictures.

Finally, wait for the news!

Upload comments:

1. Indicate the application items in the picture: such as application amount, name, ID number, estimated amount, etc.

If the picture is uploaded successfully and meets the requirements, it will be processed within 4 working days, and the processing result will be notified by SMS.

3. Valid certificates: social security certificate, list of safe wages for more than 3 months, list of personal income tax withholding for more than 3 months, certificate of safe deposit for more than 3 months, property right certificate, copy of car driving license, etc.

Fourth, the recommendation card

Space is limited, and the card type analysis is still waiting for me to finish the characteristics of all bank credit cards, and each bank will write it separately. Please look ahead!

Five, phased products

The interest on Ping An installment products is quite high unless absolutely necessary!

1) reserve fund

For the consumption installment payment exceeding the fixed amount, you can apply for 6 installments, 12 installments, 18 installments or 24 installments, with a maximum of 300,000 yuan. After the application is successful, you will first enter the credit card account to offset the current arrears. You need to swipe your card at a designated merchant, which is equivalent to the gold for CITIC to realize its dream. Credit card credit, with high interest, can be repaid in advance, but 3% of the remaining principal is used as liquidated damages.

2) Cash installment business

1 Spiritual payment (cash installment). The interest rate of cash installment within the credit card limit is high, and it has been renamed as cash installment!

2 enjoy the premium. Independent amount, up to 24 installments, repayment by installments!

3 Enjoy gold. Independent limit with daily interest rate of 0.05% (i.e. annual interest rate 18.25%), which can be used for short-term turnover.

3. Special stage

Basically summed up the attributes of peace. Ping An is a silent bank. It likes innovation and reform. It likes to be the first to eat crabs and get cards, but the risk control is strict, commercialization is a bit cold-blooded, and the reality is a bit scary. How to play must be carefully considered!