Why can't the special installment exclusive quota of Ping An Pocket Bank be brushed by machine?

The exclusive quota is to order goods directly through invitation SMS.

Ping An Palm Mall's exclusive credit line SMS service will be phased with "e-money" to provide exclusive installment payment line (referred to as "e-money" line) for specific credit card holders. Within the stipulated validity period, the cardholder will receive an invitation message from Ping An Bank and order goods directly. The order will divide the total amount of goods into several installments, and the cardholder will repay the principal and a certain amount of handling fee in installments within the agreed time limit (the current handling fee is 0).

Introduction of main rules

(1) The applicant is the main card holder (supplementary cards cannot be applied).

(2) After the transaction is successfully recorded, the customer's bill category will display a prompt message similar to "Easy-to-buy payment installment12".

(3) The total amount of goods purchased will not occupy a fixed amount, but the repayment amount of each installment will be included in the minimum repayment amount.

(4) The installment fee shall be charged in one lump sum and recorded on the latest billing date after the transaction is completed. The principal and handling fee of each account will be included in the minimum repayment amount of the current bill according to 100%, occupying the credit line of the cardholder. The credit card mall channel adopts the exclusive amount of installment payment, and cardholders will be free of handling fees.

(5) Once the handling fee is collected, it will not be refunded. When the cardholder applies to the merchant for return processing, the successful E-purchase payment business will be automatically settled in advance, and the E-purchase amount used in the original transaction will not be restored.

(6) SMS notification: including credit message and transaction success/failure message; There is a return notice and a short message prompt for successful return, and the cardholder can also check the return progress through the handheld mall.

(7) Number of installments and handling fee rate: 6 installments, 12 installment, 24 installment and 36 installment, and the handling fee is charged at one time. According to the different merchants who cooperate in stages, adjust the number of stages and the corresponding rates. For the specific installment number and installment fee rate, please refer to Ping An Credit Card APP or the announcement in the merchant's store:

Amount payable in the first installment = total installment amount ÷ number of installments (the remainder is recorded in the amount payable in the first installment)+total installment amount × total handling fee rate.

Remaining amount payable in each installment = total installment amount ÷ number of installments.

(8) Posting time of the transaction: the day after the CSI system inquires about the status of the host as "Requested", it is generally posted on T+2.