What is the credit card limit of Ping An?

What is the credit card limit of Ping An?

Ping An Bank's credit card limit is influenced by the applicant's personal qualifications, which are mainly divided into three grades. The credit card limit is 1000- 10000 yuan, the gold card limit is 10000-50000 yuan, and the platinum card limit is more than 50,000 yuan.

Ping An Bank will evaluate the credit status of users according to the information provided by users, such as the previous repayment situation, and set a limit within this interval, which is the overdraft limit of users.

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit.

Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

How to increase the credit card limit?

First, continuous and frequent credit card consumption

Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.

Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think it is suspicious and it is difficult to increase the quota.

Second, pay attention to the credit card limit and temporary withdrawal.

Pay attention to the credit card limit and make full use of temporary withdrawals.

Third, stick to application and seize the opportunity of application.

Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on using the telephone to apply for increasing the credit card limit, because different customer service or staff have slightly different attitudes and principles when handling this application.

Maybe the last one failed, and the next one passed. Sticking to the record left by telephone application will also help to apply for withdrawal in the future.

4. Threaten to use the cancellation card or suspend sleep.

Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card.

It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.

What is the maximum credit card limit of Ping An Bank?

At present, the credit card limit of Ping An Bank is generally between 3,000 yuan and 50,000 yuan, so the maximum limit is 50,000 yuan. The amount of Ping An Puka is generally between 3000 yuan-10000 yuan, and the amount of Ping An Gold Card is between 10000-50000 yuan. The maximum withdrawal amount of Ping An Credit Card can reach 100% of the actual amount.

Temporary credit line adjustment of Ping An Bank Credit Card When using Ping An Bank Credit Card, if it is found that the approved credit line is not enough and it is necessary to increase the credit line card, you can apply for temporary credit line increase. The increased temporary credit card limit will automatically restore the original limit after the validity period.

Prompt: After the temporary limit expires, the over-limit handling fee will be charged for the part that actually exceeds the credit limit. The over-limit handling fee is charged at 5% of the over-limit part, and there is no maximum and minimum charging limit.

Long-term credit line adjustment of Ping An Bank Cardholders can submit the latest financial income certificate to any branch of Ping An Bank and apply for it. Ping An Bank will conduct an audit according to its past credit card usage records and repayment records, and adjust the credit card limit appropriately for cardholders after passing the audit.

If you are a wealth management customer of Ping An Bank, you need to hold it for more than 3 months with an amount of 200,000 yuan, or hold it for more than 1 month with an amount of 400,000 yuan. The original or photocopy of the personal banking receipt of the application form and ID card is required to purchase our wealth management products, funds and government bonds.

If you are a savings deposit customer, all time and current savings deposits under your passbook, certificate of deposit and debit card required for opening an account with Ping An Bank are converted into RMB and included in the total value. Open an account for more than 3 months, with an average daily income of 200,000.

If you are the owner of a life insurance customer, you need to have your own private car, the price is above 6,543.8+0.5 million, the life insurance policy is held for more than 3 months, and the premium is 6,543.8+0.5 million.

If you are an auto insurance customer of Ping An Property Insurance, you need to have a vehicle with a value of more than 200,000 yuan and the auto insurance policy attributes of the insured. You also need to submit an application, ID card, driving license and auto insurance policy number. If you are the insured of China Ping An Life Insurance Company of China Insurance Company, you need to hold a valid Ping An Life Insurance Company of China long-term policy for more than 3 months, with a premium of 1.5 million.

What is the credit card limit of Ping An Bank? How to inquire?

Ping An Bank's credit card limit is granted by Ping An Bank Credit Card Center, and cardholders can spend their credit cards within the credit limit.

The credit card limit of Ping An Bank generally ranges from 3,000 yuan to 50,000 yuan. The amount of Ping An Puka is generally between 3000 yuan-10000 yuan, and the amount of Ping An Gold Card is between 10000-50000 yuan. The maximum withdrawal amount of Ping An Credit Card can reach 100% of the actual amount.

First, Ping An Bank's credit card limit inquiry method-telephone inquiry

Credit card holders of Ping An Bank can call 4008824365 through the customer service hotline (please call 02 1-68639999 in areas where 400 service is not available) to check the credit card limit, and know the credit card account arrears, current available limit and other information anytime and anywhere.

Second, Ping An Bank's credit card limit inquiry method-online banking inquiry

You can log in to Ping An Bank Credit Card Online Banking to check account information.

Third, Ping An Bank's credit card limit inquiry method-outlet inquiry.

You can check your account limit information at the nearby Ping An Bank outlets.

What is the credit card limit of Ping An? What are the minimum and maximum amounts respectively?

At present, the credit card limit of Ping An Bank generally ranges from 3,000 yuan to 50,000 yuan. The amount of Ping An Puka is generally between 3000 yuan-10000 yuan, and the amount of Ping An Gold Card is between 10000-50000 yuan. The maximum withdrawal amount of Ping An Credit Card can reach 100% of the actual amount.

When using Ping An Bank's credit card, if it is found that the approved credit limit is not enough and it is necessary to increase the credit card limit, you can apply for a temporary increase in the credit card limit. The increased temporary credit card limit will automatically restore the original limit after the validity period.

There are many kinds of loans from Ping An Bank, which can meet the different needs of different customers, mainly including housing loans, car loans, business loans, consumer loans, vehicle mortgage loans and so on. When a lender applies for a loan from a bank, the bank will give a reply within 2-3 working days. After handling the loan contract, the loan will be issued within 1-2 working days.

First, Ping An Bank loan interest rate

1. Short-term loan: within one year (including one year), with annual interest rate of 4.35%.

2. Medium and long-term loans: one to five years (including five years), with an annual interest rate of 4.75%; For more than five years, the annual interest rate is 4.90%.

3. Personal provident fund loan: less than five years (including five years), with an annual interest rate of 2.75%; For more than five years, the annual interest rate is 3.25%

Two. Ping An Bank's loan business Ping An Bank has many kinds of loans, including new emergency wallet, car owner loan, car loan, venture loan, car mortgage, Ping An Easy loan, policy loan, loan repayment, universal mortgage, small consumer loan, car owner loan, travel/decoration loan, car surcharge loan, etc.

Third, Ping An Bank loan process

1. The borrower applies for a loan from the bank, fills in the loan application form and submits relevant information specified by the bank;

2. Bank staff investigate and review the relevant information submitted;

3. Data passed, investigation passed and approval passed;

4, the bank and the borrower signed a loan contract and loan procedures;

5. The borrower repays on schedule according to the repayment method signed with Ping An; 6. The borrower pays off the loan and terminates the relationship with Ping An.

Four. Ping An Bank's new car loan: This product is suitable for new car consumption loans, and it is repaid by various repayment methods, such as matching principal and interest, average capital, pure interest repayment, interest repayment and balloon loan.

1. Simple information: You can apply without real estate. You only need to provide personal identification to submit the preliminary examination of car loan, and then choose to provide residence certificate, income certificate and other materials according to different customer categories.

2. Efficient approval: the approval can be completed on the same day at the earliest.

3. Fast lending: complete information, lending within 1 working day.

4. Maximum amount: the maximum amount of a single loan is 5 million.

What is the limit of Ping An Credit Card?

1. Ping An's credit card limit is generally around 15000. For a specific individual's credit card limit, the bank will grant a credit line after comprehensively evaluating the customer's repayment ability according to the customer's income level, occupation, assets and liabilities and the credit situation of other banks.

Second, Ping An Bank Credit Card Withdrawal Standard

1. Revocation of temporary limit

If the card has been used for more than 3 months, the withdrawal standard is 65438+ 00%-50% of the fixed credit card limit;

2. Withdraw a fixed amount

If the card has been used for more than 6 months, the "normal" withdrawal standard is 20% to100% of the fixed credit card limit; The "special" extraction standard is 50-300% of the fixed amount of the credit card;

Third, Ping An Bank's credit card withdrawal strategy is 1, multi-credit card, small amount, multi-payment. For each card 10- 15, the card within 5W should be controlled within 1000, and the amount of each card is about 60%;

2. Repay in full and on time

While ensuring more credit cards, each bill will be repaid in full and on time, which proves the repayment ability;

3. Reasonable staging

Unless it has reached the "critical point" of staging, it will not actively stage. If the bank calls to ask whether it needs to be divided into stages, it can be divided into 3-6 stages, and no more than 6 stages; (I don't know how to look at the critical point, you can ask me alone! )

4. Card swiping method

First of all, it is the small amount mentioned above. Why is it small? Because POS can't choose now, small amount is the safest. If you want to brush a large amount, you must find a stable direct POS brush. Otherwise, once the code is skipped, the credit card will be downgraded directly.

Secondly, we must choose regular POS, MPOS, POS without payment license, POS without receipt and POS with substandard rates, and eliminate them all. Don't lose too much because you are small. 5. Pay attention to building

Ping An is a bank that started with insurance. The easiest way is to buy insurance in Ping An to increase attention, but you don't need to buy too much insurance. You can manage all kinds of small insurance at home, which not only increases the attention, but also ensures the stability and withdrawal of credit cards. There is also a savings card running water, which is also necessary, even if it is fixed every month.

Let's stop here for the quota introduction of Ping An Credit Card.