Ping An Bank's credit card is very bad. Don't go to Ping An Bank to apply for any card, otherwise you will regret it.

1. Features of Ping An Bank’s credit cards

(1) Easy to apply for the card. It is relatively simple to apply for a card. I remember that the first credit card I took out of the company was safe.

(2) Strictly manage risks. As we all know, Ping An Times has strong risk management capabilities. I often hear that credit cards have been closed or downgraded. Ping An, Girlfriend, and other insurance banks are ethical.

(3) The reason for strict risk management is very simple and safe, and the data is awesome. Qianhai credit report belongs to Ping An Group. In 2013, the Qianhai Credit Reporting System had approximately 830 million people and approximately 20 million enterprises and other organizations. It's already very advanced. Ping An Credit Card, which was founded in 2018, has deployed about 40 sets of big data risk models at various nodes involving customers to comprehensively monitor and assess risks.

(4) The interest-free period is 50 days.

(5) 3-day grace period per month (tolerant)

(6) Don’t mind too many cards.

(7) Can exceed the limit. Generally, you can use 10% of the quota over the limit, and there are no over-limit fees for the time being.

(8) Merger of letters and newspapers, and merger of bills. No matter how many cards you have, your credit report will only show one. Consolidate your bills and repay the money to any card!

(9) Points Points are of high value and easy to implement, but the points rules changed a lot at the beginning of this year!

Comprehensive rules: In February this year, the high-profile merger rules were significantly adjusted, breaking the previous credit card merger model and becoming the first bank in the industry to try this. Points rules were formulated in April this year!

:

1. No credit card points are used when offline (except for some airlines and hotels). Points can be accumulated online and offline on domestic airlines and airlines and hotels specified in the travel spending plan.

2. Earn points for online consumption.

3. Special payment methods (mobile pay, UnionPay QR code, UnionPay APP scanning code payment, etc.) can make a one-time payment of more than 1,000 yuan.

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

5. Accumulated points for all overseas purchases (online or offline card swiping).

6. All overseas consumption points (online or offline credit card)

Extended information:

History of Ping An Bank:

2003 In December, 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 in the banking industry. In November 2006, Ping An Group invested 4.9 billion yuan and acquired 89.36% of the shares of Shenzhen Commercial Bank. In 2007, it was renamed Shenzhen Ping An Bank and issued the first Ping An Wanli communication card. In August 2012, Shenzhen Development Bank merged with the old Ping An Bank, and the company was renamed Ping An Bank. At that time, New Ping An Bank's total assets reached 1.5 trillion yuan and it had 410 stores. Became one of China's medium-sized joint-stock companies. PS: SDB: In May 1987, SDB generally issued shares. It was listed on the Shenzhen Stock Exchange in 1991 with a price of one million shares. 1. This is the first listed bank in China and the market value of Shenzhen stocks. This year. In 2002, Shenzhen Development Bank issued China's first credit card with password protection. By mid-2020, the issuance volume of Ping An credit cards reached 61.48 million, ranking first in China.