Why didn't Ping An Bank apply for a special provident fund for consumption?

If the application for Ping An reserve fund is rejected, it is likely to be caused by the following reasons:

1, personal credit is bad

To apply for the Ping An reserve fund, you must have good credit. If the credit history is poor, especially three to six times overdue within two years, banks will think that such borrowers are unwilling to repay, and of course they will refuse to apply for credit risk control.

2. Don't use this card frequently:

With Ping An Credit Card, it will be shelved, and it is rare to brush it several times a year. If you want to apply for a special reserve fund for safe consumption, you are more likely to be rejected. After all, you don't even want to use a credit card, and the bank can't let you borrow money.

3. Poor repayment ability:

When you apply for the special reserve fund for Ping An consumption, the bank will also evaluate your repayment ability. After all, if the repayment ability is insufficient, banks will be afraid that users will have no money to repay their loans after they are approved, which will easily lead to overdue and increase the bad debt rate.

If the application for Ping An Special Fund is rejected, you can apply again. However, it is suggested that you must use Ping An credit card, spend more money before applying and repay on time. Besides, you must pay off all the debts. If you have the ability, you can buy the insurance wealth management products of Ping An Bank. One day, the application will be successful.

It is reported that Ping An's special consumer reserve fund is a credit card-based consumer credit product. Because of its high quota and installment repayment, it is favored by the public. Many people want to apply for special provident fund to meet the consumption needs of individuals and families. Ping An Bank will decide whether to approve the application on its own according to the cardholder's credit history, relevant banking regulations and business judgment.

Extended data:

Precautions:

1. The currency of "special consumption reserve" is limited to RMB, and the application amount must be an integer multiple of 1000 yuan, with a minimum of 2,000 yuan and a maximum of 100000 yuan.

2. The specific number and amount that the cardholder can apply for shall be subject to the actual online situation.

3. After the application is approved, the number and amount of the application shall not be changed.

4. If the cardholder applies to pay off the unpaid installment balance in advance, the cardholder shall pay off the unpaid installment balance and handling fee in one lump sum after the approval of the bank.

5. The principal amount and handling fee payable of the "special consumption reserve fund" recorded in each period will not participate in the credit card points plan.

6. After the "special reserve fund for consumption" arrives, it will give priority to offset the current debt of your credit card. The principal and handling fee of each installment will be fully included in the minimum monthly repayment amount and will occupy the cardholder's available credit card account. The cardholder notifies 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.

7. No matter whether or not the "special reserve fund for consumption" is used or how much it is used, the handling fee will be charged normally according to the successful application amount.

8. The repayable principal amount and handling fee of the "special consumption reserve" recorded in each installment shall not participate in other installment business of the Bank.

9. If the cardholder cancels, freezes or delays payment, etc. During the installment payment of "special consumption reserve", or when the bank thinks that the cardholder may be unable or unable to perform the business, the bank has the right to require the cardholder to pay off the remaining principal and the remaining unpaid handling fee in one lump sum.

Ping An Bank official website-Ping An Bank credit card "special consumption reserve" installment payment business