Ping An Bank Credit Card Loan

How to get a loan with Ping An Credit Card?

Ping An Credit Card can provide you with a variety of loans, such as bill installment, single consumption installment, premium installment and special reserve fund for consumption. Let's talk about how to borrow Ping An credit card loans through bill installment and special reserve for consumption.

Bill installment payment

At present, there are three application methods for bill installment, namely, telephone application, online banking application and SMS application. The specific operation process is as follows:

(1) Telephone application: Call Ping An Credit Card Customer Service, and switch to manual operation → apply for bill installment → wait for customer service to verify identity → inform loan amount and term → wait for SMS notification result.

(2) Online banking application: log in to Ping An Credit Card Online Banking → click "Financing by Stages" and select "Bill by Stages" → select the installment bill and installment time according to your own needs.

(3) SMS application: The cardholder receives the invitation SMS of Ping An Credit Card bill installment → confirm the installment amount and installment time → reply to the installment application instruction according to the content of the SMS.

Special reserve for consumption

The special reserve fund for consumption is a cash loan product provided by Ping An Credit Card for cardholders. The loan amount is 2000-300000 yuan, and the loan period is 6, 65, 438+02, 65, 438+08 or 24 installments.

The loan process is as follows: log in to Ping An Credit Card online bank → enter "installment financing" and select "special reserve fund for consumption" → fill in the loan amount, term and purpose → enter the transaction password and dynamic SMS password → wait for the audit result of Ping An Credit Card system.

Can Ping An Bank get a loan?

Yes, Ping An Bank has launched unsecured credit loans, as well as mortgages and mortgages for houses and cars. Different loan application conditions and requirements are different. Whether the approval can be successful is evaluated according to your comprehensive qualifications.

Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks. The registered capital is 565,438 yuan+23.35 million yuan and the total assets are nearly 65,438 yuan +0.37 trillion yuan. Its headquarters is located in Shenzhen, Guangdong Province.

China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An") and its holding subsidiaries hold about 2.684 billion shares of Ping An Bank, accounting for about 52.38%, and are the controlling shareholders of Ping An Bank. There are 34 branches in China and representative offices in Hongkong.

20 12, 1, Shenzhen Development Bank, the predecessor of Ping An Bank, acquired Shenzhen Ping An Bank, a subsidiary of Ping An Insurance Group. After the acquisition, SDB changed its name to New Ping An Bank, which officially opened. 2065438+On June 26th, 2009, eight banks including Ping An Bank launched the first batch of enterprise information networking verification systems.

In terms of retail business, Ping An Bank of Shenzhen took the lead in launching a composite electronic debit card integrating ic chip and magnetic stripe in China, and took the lead in launching a dual-currency international debit card. In August, 2007, Jixiang Debit Card, a comprehensive service product integrating deposit and withdrawal, POS consumption, payroll payment, online payment and wealth management, was grandly launched. Shenzhen Ping An Bank has also launched special service products such as Express, Express Rail and Hong Kong Stock Connect. In addition, following the launch of Yingfeng series of wealth management products, Ping An Bank launched a brand-new wealth management service brand "An Ying Wealth Management" for high-end individual customers, so that the bank's VIP customers can enjoy all-round wealth management value-added services with peace of mind.

In terms of credit card business, Shenzhen Ping An Bank attaches great importance to credit card business. On May 2, 2007, KLOC-0, jointly launched "China Ping An Wanlitong Co-branded Credit Card" with China Ping An Group. In August 2007, "Ping An" credit card was launched. Shenzhen Ping An Bank is committed to building a "Ping An" credit card, providing cardholders with all-round security protection of "consumer safety, home safety and travel safety", so that cardholders can feel "one card accompanied by peace" anytime and anywhere.

Can I get a loan with Ping An Credit Card?

Ping An Bank loans are reliable. Ping An Bank is a commercial bank established with the approval of China Banking Regulatory Commission, which can carry out loan business and is a reliable loan bank.

As one of Chinese mainland 12 national joint-stock commercial banks, Ping An Bank's loans are naturally completely reliable. At present, Ping An Bank's loan business ranges from personal unsecured credit loans to mortgage loans, car loans and personal small consumer loans. As a fully formal bank, everyone can use the loan with confidence.

Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks, headquartered in Shenzhen, Guangdong. Formerly known as Shenzhen Development Bank, it is the first publicly listed national joint-stock bank in China.

China Ping An launched personal or family consumption loan business guaranteed by insurance companies. This loan model does not need mortgage, but it still needs the insurance company's audit to repay the loan, which is equivalent to being guaranteed by Ping An Group. The lender shall pay the insurance premium to Ping An Group in one lump sum after obtaining the loan, and deduct the bank interest and monthly repayment amount regularly every month.

It is impossible to borrow money from banks without collateral, and the new "credit guarantee insurance" of Ping An Group has solved this problem. Lenders don't have collateral, and banks worry that customers can't pay back their money and can't control their risks. So the bank handed over risk management to Ping An to check customer information. Ping An will sign a "credit guarantee insurance" policy with customers if it is determined that the applicant has sufficient repayment ability after examination.

It can be said that the threshold of this loan product is the lowest among all platform loans, and its functions are relatively comprehensive. Some platforms are difficult to approve if they have loan records before, but they can continue to lend in Ping An Bank. No matter whether you have paid the monthly payment or used the housing provident fund loan before, you can pass the loan approval again, and all the approvals are online. As long as the conditions are qualified, it is very convenient to lend money quickly.

How to use Ping An credit card for loan?

Ping An credit card loans are divided into bill installment and special reserve fund for consumption.

First, bill installment payment.

They are telephone application, online banking application and short message application. The specific operation process is as follows:

1. Telephone application: call Ping An Credit Card Customer Service and switch to manual operation → apply for bill installment → wait for customer service to verify identity → inform loan amount and term → wait for SMS notification result.

2. Online banking application: log in to Ping An Credit Card Online Banking → click "Financing by Stages" and select "Bill by Stages" → select the installment bill and installment time according to your own needs.

3. SMS application: The cardholder receives the invitation SMS of Ping An Credit Card bill installment → confirms the installment amount and installment time → replies to the installment application instruction according to the SMS content.

Second, the consumption special reserve fund.

The special reserve fund for consumption is a cash loan product provided by Ping An Credit Card for cardholders. The loan amount is 2000-300000 yuan, and the loan period is 6, 65, 438+02, 65, 438+08 or 24 installments.

The loan process is as follows: log in to Ping An Credit Card online bank → enter "installment financing" and select "special reserve fund for consumption" → fill in the loan amount, term and purpose → enter the transaction password and dynamic SMS password → wait for the audit result of Ping An Credit Card system.

Extended data

Ping An Credit Card Application Conditions

All natural persons who have reached the age of 18, have full capacity for civil conduct, have a stable and legitimate source of income and have a good reputation can apply to the card issuer for a personal credit card master card with their valid identity documents and other documents required by the card issuer.

Personal card holders can apply for supplementary cards for other qualified natural persons. The cardholder of the main card shall take full responsibility for the debts incurred under the main card and the supplementary card. Supplementary card holders shall be jointly and severally liable for the debts incurred under the main card and supplementary card.

If the credit card holders of Ping An Bank encounter difficulties, they can choose not to pay the full amount of credit card arrears in the current period, but pay the minimum repayment amount. Generally, the minimum repayment amount is 65438+ 00% of the payable amount. In order to alleviate the overdue credit card repayment caused by the current financial shortage.

This kind of repayment behavior is that you can't enjoy interest-free repayment, and you need to pay revolving interest to Ping An Bank.

Minimum repayment amount = 65,438+000% of the unpaid part of the last minimum repayment amount+65,438+000% annual fee+65,438+000% installment business, principal and handling fee of each installment, and the resulting interest+65,438+00% transaction principal (consumption+cash withdrawal)+65,000. )

If the repayment is normal in the first month (that is, not less than the minimum repayment amount in the bill of the current month), the minimum monthly repayment amount will be automatically reduced from the original 10% to 5% from the next month.

Baidu Encyclopedia-Ping 'an Credit Card

How much is the new loan of Ping An Bank?

It is a credit loan product under Ping An Bank.

New loans are divided into:

1. The mortgage house (if the mortgage repayment method is equal principal and interest) can be used for monthly payment, and the mortgage repayment period is longer than 12.

2. Policy loans, which have been purchased for more than two years (three times a year and 24 times a month), and the insured who has not paid the fee in the middle has not changed, and 24 insurance companies are supported to apply for policies. 3 provident fund loans. The provident fund has not been interrupted during the deposit of the same unit for more than 2 years, and the interest will be lower than the policy loan and monthly payment.

From the interest rate point of view, this product is a repayment method with equal principal and interest, and the monthly interest is between 0.46% and 0.84%. Different customer groups and different credit conditions will approve different interest rates. There are two situations in which there is no penalty for prepayment. One is that small and micro business owners apply for repayment in advance after one year without penalty. 2. As the prepayment applied by office workers, the prepayment can be made one year later, and the penalty is 5% of the remaining principal. (Because sometimes there will be activities or the prepayment penalty can be exempted).

Line: up to 500,000 yuan, 1 hour loan.

Interest: 4.9% -8.5%

Repayment method: equal principal and interest

Term: 48 installments at the longest. Repayment can be made in advance after 12 installments without penalty interest.

Features:

No guarantee: no guarantee, only personal credit.

It's convenient to apply. Go to the bank 1 time and just sign a contract.

Commitment, within three working days, the fastest loan 1 day.

The application threshold is low, the monthly mortgage payment is more than 3 years, or the Ping An life insurance policy with a payment of more than 3 years (the non-Ping An policy needs to pay for more than 5 years), or the provident fund deposit base is greater than or equal to 4,000, which can be superimposed.

Credit request

First, the credit information is good, and there can be no current overdue.

Second, the number of small loans under an individual's name does not exceed two, and the single amount does not exceed 60,000. (Microfinance is not a small loan)

Third, the number of inquiries in the past two months is at most three times.

Fourth, there can be no car loan from Ping An Bank.

Information required for application

1, ID card, bank card, mobile phone number, bank card do not need rural credit cooperatives, and the four major banks are preferred.

2. Spouse's mobile phone number and the mobile phone numbers of two contacts, and there may be a return visit.

3. Loans of more than 300,000 yuan need work certificates, seals and use contracts, such as renovation contract.

What is the smart loan star in Ping An Credit Card?

Ping An Bank Smart Loan Star is a credit loan product launched by Ping An Bank, with a maximum loan amount of 550,000 yuan. As a credit loan product, you don't need to provide mortgage assets to apply for this loan. As long as the applicant's credit status meets the requirements of the bank, he can apply for a loan. Under normal circumstances, there is no overdue record of credit information and the number of credit inquiries in the past 2 months is no more than 4 times.

Ping An Smart Loan Star is a pure credit loan product launched by Ping An Bank. You can apply without mortgage, and submit the loan online all the time, with a maximum loan amount of 550,000 yuan. Of course, the specific dosage of the next paragraph depends on the user's personal qualifications. Ping An Smart Loan Star, like other credit loan products, has certain requirements for users' credit information, and bank loan products have strict requirements for its use scenarios. Loan funds are not allowed to be collected by countries such as stock market, house purchase and investment.

The conditions for applying for Ping An Smart Loan Star are that the applicant is between 23 and 56 years old; There is no bad record such as overdue for more than half a year in the credit record; Ping An Group has no other loans; The number of credit inquiries in the past 2 months shall not exceed 4 times.

Ping An Smart Loan Product Description: Loan amount: 5000-50000 yuan, loan term: 3, 6, 9, 12, interest rate: 50,000 ~ 10000, annualized interest rate:16 ~10. Need a good credit application path: open the navigation bar below Ping An Pocket Bank APP, click in the middle to see "Ping An Smart Loan", click Apply Now and follow the operation process to obtain the verification code, enter and upload the front and back of the ID card, and agree to authorize credit inquiry.

Ping An Smart Loan is a pure online application, unsecured and unsecured credit loan, and the loan amount can only be used for consumption; To apply for Ping An Smart Loan, the following conditions must be met: age 22-55 years old, including one year old; Hold a valid second-generation ID card; Have a stable and legal job; No bad credit record; Non-subsidiary of Ping An Bank; Non-Ping An Bank employees; There are Ping An Bank outlets in the city; If you need to apply, you can log in to Ping An Pocket Bank APP- Loan-Ping An Smart Loan Application.

This is the end of the introduction of Ping An Credit Card Loan and Ping An Bank Credit Card Loan. Did you find the information you needed?