How to repay Ping An Bank credit card in installments

How to apply for Ping An Bank credit card bill installment? Three ways to apply quickly

Nowadays, people often use credit cards to pay for transactions in their daily lives, and then repay the credit card. However, sometimes the credit card bill may not be paid off immediately, so people will choose to pay the bill. installment. Each bank's credit card bill installment requirements are different. So, how to apply for Ping An Bank credit card bill installment? Let me answer it for you today.

1. Customer service hotline application

You can call Ping An Bank’s customer service hotline 95511. After dialing, press the “1” button to transfer to manual service, and then submit the bill to the customer service staff You can apply in installments. After verifying your identity information, you can tell the customer service staff the amount and number of installments, and the customer service staff will handle it for you.

Of course, you can also choose self-service voice processing. After dialing 95511, press the "2" key, then the "4" key, and then the "5" key to apply for bill installment.

2. SMS application

Generally, Ping An Bank will also screen some customers and select some customers to invite them to apply for installment. If you receive the invitation text message, you can Respond to the installment instructions according to the content in the text message, select the amount and number of installments to apply for. After the application is approved, the bank will reply via text message to inform you.

3. Online banking application

You can log in to Ping An Bank’s online banking, select “Instalment Finance”, then select “Bill Installment”, click “Apply for Bill Installment”, and select The number of installments you want and the installment amount are entered, and then you can confirm and submit the application.

The above is the answer to "How to apply for Ping An Bank credit card bill installment?" This article summarizes several commonly used more convenient and quick application methods. Friends who need to install bill installments for their Ping An Bank credit cards can use these methods to apply.

How about Ping An Bank credit card bill installment?

1. Introduction to the bank bill installment business of Ping An Credit Card

The bill installment business means that the cardholder can pay by phone after the bill date of the card consumption but before the due date of payment of the current period. It is an advance consumption method to apply for installment payment of consumption amount to our bank through , SMS or other methods.

2. Features of Ping An Bank’s credit card bill installment payment business

Free installment: You can freely choose from 2 to 12, 18 or 24 installments, and freely choose the installment amount

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Convenient points: You only need to log in to credit card online banking or call the 24-hour customer service hotline 95511 and press 2 and 9 to apply for bill installments

Quick points: You apply for bill installments within the specified date , apply for review on the same day, and send text messages immediately to inform the review results

Simple points: You only need to pay the minimum repayment amount of the current bill, and the remaining amount can apply for bill installments

Happy points : If you successfully apply for installment for this bill, the first installment amount and handling fee will not be incurred until the next bill, and you can enjoy a longer interest-free repayment period

3. Ping An Bank Credit Card Bill Installment Details

Application time: You can apply from the day after the current bill date to the due date of the current bill (inclusive). For example: your current bill date is August 5th, and the due date for repayment is August 23rd, then the application time is from August 6th to August 23rd.

Application limit: Apply for bill payment in installments, and the total installment amount shall not exceed 100,000 yuan. After the application is approved, the number and amount of installments that have been applied for shall not be changed.

4. Ping An Bank Credit Card Installment Fees

Ping An Bank’s bill installment service charging standards will be adjusted based on the cardholder’s actual card use. The specific rate table is as follows:

5. Ping An Bank Credit Card Bill Installment Application

1. Ping An Bank Credit Card Bill Installment Application Process

Telephone Application

SMS Application

Online banking application

What are the regulations for Ping An Bank’s credit card consumption installments and bill installments?

Ping An Bank credit card installments are divided into two categories: consumption installments and bill installments. The consumption installment business refers to a business in which Ping An Bank credit card holders apply to Ping An Bank to pay the consumption amount in installments one by one from the day after the card is swiped to the two working days of the first installment of the bill, and repay it monthly within the agreed period.

Bill installment is provided by Ping An Bank Credit Card Center for eligible cardholders. Cardholders can apply to Ping An Bank between the day after the bill date and the day after the current bill is due for repayment. Apply for installment repayment of a certain amount of RMB consumption that has been billed.

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1. Ping An Bank credit card consumption installment payment regulations

1. Application amount: single consumption amount The amount shall not be less than 500 yuan and the maximum shall not exceed 50,000 yuan.

2. Application time: from the second day after swiping the card to two working days of the first issue of bill.

3. Application method:

(1). Call Ping An Bank customer service hotline: 95511-2 to apply for consumption installment payment;

(2), Log in to the Ping An One Account website and click on the "Credit Card" channel to apply for installment payment;

(3) Log in to Ping An Bank's credit card online banking and apply for installment payment for a single transaction.

4. Number of installments and handling rates:

2. Ping An Bank credit card bill installment payment regulations

1. Application amount: bill installment application amount = Amount of repayment due in the current period - the minimum repayment amount in the current period, the total amount shall not be less than 500 yuan, and the maximum shall not exceed 50,000 yuan.

2. Application time: between the day after the bill date and the second day when the current bill is due for repayment.

3. Application method:

(1). Log in to Ping An Bank Credit Card Online Banking to apply for bill installment;

(2) Call the 24-hour customer service hotline: 40088-24-365 Press 9 to transfer to manual to apply for bill installment.

Ping An Bank Credit Card Installment Payment Terms

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Ping An Bank Credit Card Consumption Installment Terms and Conditions

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Ping An Bank’s credit card bill installment payment terms and conditions

1. Ping An Bank’s credit card consumption installment payment terms and conditions

If the cardholder applies for our bank’s credit card single consumption installment payment service, It means that he has read and agreed to abide by these terms and conditions:

(1) Terms of consumption installment business

1. The principal cardholder (supplementary cardholder cannot To apply), you can call Ping An Bank's credit card customer service hotline 95511 between the day after the credit card consumption is credited and the two calendar days of the current bill (excluding the bill date), log in to the Ping An One Account website and click on the "Credit Card" channel, or Applying for a single consumption installment through Ping An Bank's credit card online banking is equivalent to the cardholder's acceptance of the agreed terms of the business. Transactions that apply for installments for a single consumption can only apply for installments for the full amount of the consumption. Cardholders cannot choose to apply for installments for part of the amount of a single transaction.

2. After the installment transaction is successful, the entire transaction amount will occupy the credit limit. The cardholder's available credit limit is restored in equal installments based on the actual principal repayment each month.

3. The principal repayment and handling fee amount for a single consumption installment in each installment are reflected in the one-issue bill.

The amount to be repaid in each installment = the total amount of installments ÷ the number of installments (the remainder will be recorded in the amount to be repaid in the first installment) the total amount of installments The total amount shall not be less than 500 yuan, and the maximum shall not exceed 50,000 yuan. After the cardholder successfully applies for a single consumption installment, he cannot change the number and amount of the installments he has applied for; if the original transaction for which he applied for a single consumption installment is returned, the installment transaction cannot be canceled and each installment must still be repaid according to the original installment rules. Make the payment and pay the corresponding handling fee.

5. Single consumption installments only provide 3, 6, 12 and 24 installment options. For detailed charging standards, please refer to the "Single Consumption Installment Business Charging Standards".

6. If the original transaction for which you applied for a single consumption installment is returned, the installment transaction cannot be cancelled. Each installment must still be repaid according to the original installment rules and the corresponding handling fee must be paid.

7. Cardholders who have successfully applied for a single consumption installment can apply for early termination of a single consumption installment through the customer service hotline 95511, but must pay the remaining principal and installment fees in one go.

8. If the cardholder's credit card has expired and the card is renewed, a single consumption installment cannot be terminated; during the installment payment period, if the cardholder's credit card is canceled, frozen, or delayed in payment, etc. Ping An Bank has the right to determine that the cardholder's installment debt shall be deemed to be fully due when the above-mentioned events occur, and the cardholder shall repay the entire remaining principal, remaining installment fees and corresponding interest and late payment fees in one lump sum. If the cardholder's credit card expires and the card is renewed, a single consumption installment cannot be terminated due to this.

9. After the cardholder successfully applies for a single consumption installment, the repayment amount for each installment will be reflected in your bill. If you do not repay the bill amount in full, Ping An Bank will You have the right to charge interest on the principal and handling fees payable in each installment of a single consumption installment.

10. The repayable amount and handling fee recorded in each installment of a single consumption installment business do not participate in the points plan.

11. Within the scope permitted by law, Ping An Bank reserves the right to modify these terms and conditions at any time and when it deems appropriate, and will notify cardholders of the modifications by publishing them on the Ping An Bank website. people.

(2) Situations in which consumption installment cannot be applied

1. Various handling fees collected in accordance with the "Ping An Bank Credit Card Application Agreement" and "Ping An Bank Credit Card Articles", Credit card annual fees, cash advance transactions and cash advance transaction fees, interest, late fees, over-limit fees and other credit card charges are not eligible for this service;

2. Real estate transactions recognized by Ping An Bank, Car purchase transactions, financial transactions, etc. do not enjoy this service;

3. USD account transactions do not enjoy this service;

4. Consumer transactions that have already issued bills do not enjoy this service;

5. Installment amounts that have been processed for other installments of Ping An Bank’s credit cards are not eligible for this service;

6. Other contents separately designated by Ping An Bank.

The above terms and conditions are effective from March 24, 2012.

2. Ping An Bank’s credit card bill installment payment terms and conditions

If the cardholder applies for our bank’s credit card bill installment payment service, it means that he has read and agreed to abide by these terms and conditions:

1. Principal cardholders who hold a credit card issued by Ping An Bank can apply for bill installment payment from the day after the bill date to two days after the payment is due.

2. Cardholders who apply for Ping An Bank’s credit card bill installment payment service can freely choose the number of installments ranging from 2 to 12 installments.

3. The total amount required to apply for Ping An Bank’s credit card bill installment business is: bill installment application amount = current repayment amount – current minimum repayment amount, but the bill installment application amount cannot be less than 500 yuan.

4. After the cardholder successfully applies for bill installment, the number and amount of the applied installment cannot be changed; the cardholder cannot make the second installment within 3 months of successfully applying for bill installment business. Application

5. The cardholder applies to pay off the outstanding installment balance in advance. After approval by our bank, the cardholder must pay the outstanding installment balance and handling fee in one go.

6. If the cardholder’s credit card has expired and the card is renewed, the bill installment cannot be terminated; during the installment payment period, if the cardholder’s credit card is canceled, frozen, or delayed in payment, Ping An Bank will The right to require the cardholder to repay the installment balance and handling fees in one lump sum.

7. Ping An Bank’s credit card bill installment payment business only provides installment payment for RMB transactions and does not currently provide installment payment business.

8. The repayable amount and handling fee for each installment of the bill installment business do not participate in the points plan.

9. Ping An Bank reserves the right to modify these terms and conditions at any time and when it deems appropriate, and will notify cardholders of the modifications through any method we deem appropriate.

10. The final interpretation right of these terms and conditions belongs to Ping An Bank.

The above terms and conditions are effective from December 25, 2008.

How to apply for installment repayment with Ping An Bank credit card?

If you want to apply for installment repayment with Ping An Bank's credit card, you can directly call the customer service number of Ping An Bank's credit card, or log in to Ping An Bank Pocket Bank APP, click on bill inquiry, and then apply for installment repayment

This ends the introduction on how to repay in installments with Ping An Bank’s credit card and how to repay in installments with Ping An Bank’s credit card in the most cost-effective manner. Did you find the information you need?