Ping An Bank's credit card use includes credit card swiping, cash withdrawal and online payment.

1. Ping An credit card swiping skills, swiping cards more than 3 times a month, spending 30% of the credit limit, and not using the POS machine of bad merchants to cash out the credit card limit;

2. Ping An Bank's credit card can be withdrawn from any ATM with UnionPay logo in China.

Ping An Bank Credit Card is the first credit business launched after Shenzhen Commercial Bank merged with Ping An Bank and changed its name to Shenzhen Ping An Bank. In addition to the basic functions of credit card, such as credit consumption and cash advance, it also has many unique functions to provide cardholders with all-round security protection covering "safe consumption, safe home and safe travel". Ping An Bank Credit Card Center was established in 2000 and settled in Shenzhen Qianhai, 20 15. Upgrade to a credit card franchise with second-class legal personality and relatively independent operation. By the end of 20 18, 1 1, the number of cards in circulation exceeded 50 million. Ping An Bank is one of the main business departments of China Ping An Group and an important part of the comprehensive financial service platform of China Ping An Group. As a trans-regional joint-stock commercial bank, Ping An Bank has a registered capital of 546 1 billion yuan and total assets of over10.3 billion yuan. Its head office is located in Shenzhen and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.

Ping An Credit Card Function Guarantee:

1. Fully guarantee the loss of consumption 72 hours before reporting the loss. If your credit card is lost or stolen, you can apply for compensation from our bank as long as the consumption loss of the stolen card occurs within 72 hours before the loss is reported, regardless of whether confidential transactions are set up.

2. Full guarantee of cash loss in advance when the credit card is robbed-if the cardholder is hijacked by gangsters, and his life and health are seriously threatened by gangsters, he is forced to disclose the credit card password under the cardholder's name to the gangsters, resulting in the loss caused by the early lending of the credit card by gangsters through ATMs or bank counters, the cardholder can apply to the bank for compensation.

3. You can choose the transaction password. When you activate this card, the consumption mode we set for you is "signature only". If "with password signature" is selected, please call the 24-hour customer service hotline to apply for settings. After setting the transaction password, you can also modify the password through our ATM, CDM deposit machine, 24-hour customer service hotline or visit our credit card website.

4. Family safety. All credit card holders of Ping An Bank can enjoy the protection of family property theft and emergency rescue. As long as you activate the card and successfully swipe it once (unlimited amount), you can get free insurance for family property theft and malicious damage to door and window locks. Gold card holders can also get emergency rescue for the theft of cash and gold and silver jewelry to protect your home safety.

5. Worry-free travel guarantee. As long as you use your Ping An Bank credit card gold card to pay 100% of the current flight (not limited to domestic and international flights) or more than 80% (including 80%) of the tour fare (including air transportation), you can get the aviation accident insurance protection of up to 2 million yuan.

How to swipe Ping An credit card?

Ping An Bank debit card POS swipes the card, and the bank does not charge any handling fee. The credit card limit is:

1, in China and Hongkong, China: single limit 1 10,000 yuan, with a daily cumulative limit of 5 million yuan;

2. Macau, China: the single limit is 500,000 yuan, and the daily cumulative limit is 6,543,800 yuan;

3. Outside Taiwan Province Province and China, China:

① Transaction limit of UnionPay channel: the single limit is 6.5438+0 million yuan, and the daily cumulative limit is 5 million yuan;

② Trading limit of ②measter channel: the limit of a single transaction is USD 5,000 or equivalent foreign currency, and the limit of single and accumulated cash withdrawal transactions on the same day does not exceed USD 65,438+0,000, with no limit on the number of times.

Tips: If the credit line of UnionPay POS is insufficient, please contact Ping An Bank at 955 1 1-3 to apply for upward adjustment manually, with a single limit of100000 yuan (excluding) and a daily cumulative limit of 50 million yuan (excluding).

Reply time: 202 1-06- 16. Please refer to the latest business changes announced by Ping An Bank in official website.

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How to swipe Ping An Bank's credit card?

1, it is best to return it while brushing, and 30% will be returned. Wait until the returned amount is brushed up before returning it. In other words, you won't be given the opportunity to reduce the amount, because according to the rules of Bank of Communications, if the repayment amount exceeds 50%, the amount reduction system will be triggered, and if the repayment amount is 100%, the card sealing system (risk control card) will be triggered.

2. The repayment amount should be as low as possible, preferably below 30% of the bill amount.

3. Safety risk control is reflected in: whether there is a reserve fund.

The essence of Ping An reserve fund is credit card loan and installment payment, which can be used by yourself or at home. For example, if you have a large expenditure recently, you can apply for a reserve fund. After the application is successful, you can automatically pay in installments, and then take overdraft card to cancel at the POS machine.

Ping an reserve fund cannot be withdrawn, otherwise it is likely to be controlled by bank risks. If financial institutions find that the main purpose of your reserve fund is abnormal, they are likely to submit consumption vouchers to you. If you can't take out the proof of infection, Ping An Bank Credit Card will retrieve your petty cash credit limit, allowing you to repay in advance with installment fee.

Ping An Reserve Fund is the installment repayment business process of Ping An Bank's credit card, and the application for repayment is of course carried out by installment payment. However, in the case of loan repayment, in addition to paying the cost, a certain service fee must be paid.

Ping An reserve fund is divided into 6 periods, 12 period, 18 period and 24 periods. You can choose the stages by yourself, and then repay by stages.

Ping An Bank reserve fund is actually a small emergency fund specially provided for customers with Ping An credit cards. After the customer receives the Ping An consumption reserve fund, it can be used for daily credit card consumption and online payment (which takes precedence over the credit line of the credit card after receipt), and can also be used to offset the bill that has been issued. However, Ping An Consumer Provident Fund cannot be withdrawn, transferred or recycled. If you want to make a large transaction, you have to call Ping An Bank's customer service hotline 955 1 1 in advance to open a single large consumption. You also need to pay attention to the fact that after the Ping An consumer reserve fund arrives, the fixed principal and handling fee will be repaid monthly from the second month, regardless of whether the customer uses it or not, so the customer had better use it as soon as possible. If you want to apply for Ping An Consumer Reserve Fund, only the main cardholder can apply, but the supplementary cardholder cannot. The currency of application is limited to RMB. The application amount of the reserve fund cannot be higher than 500,000 RMB, and certainly not lower than 3,000 RMB.

How to use Ping An Credit Card for the first time?

When you receive a credit card issued by Ping An Bank, like other bank credit cards, you need to activate it before you can use it.

1. Online activation: log in to the credit card website of Ping An Bank, enter the ID number as prompted after logging in, set the inquiry password of the credit card, and complete the activation.

2. Phone activation. You can call Ping An Bank's 24-hour customer service hotline: 955 1 1-2 (Platinum VIP line 4008895 1 1) and self-service voice service to activate your credit card.

3. SMS activation: edit "the last four digits of JH card ID number" or "the last four digits of 8608 card ID number", such as "JH12345678014", and send it to Telecom C network: 955 165438.

How to use a credit card? How to use Ping An Credit Card?

Want to ask how to use credit cards correctly? Then talk about the card use strategy of Ping An Credit Card.

Safe and biased card use habits

Here, I recommend Ping An Bank's preferred credit card consumption habits:

1. Make sure Ping An Credit Card spends about 15 times a month.

2. Of the purchases of15, three were made by high-end merchants and three were made by Ping An Online Mall.

3. Overpayment will be made after the bill is issued, such as credit card limit 10000 and repayment amount 15000.

4. After spending more than 15, about 90% of the credit card limit is spent.

According to the above process, temporary and fixed quotas can be withdrawn after two bookkeeping days. A good user can make a line with only one billing date.

It is worth noting that Ping An Bank doesn't like to withdraw cash either. Then Ping An Bank doesn't like to pay only the minimum amount.

Ping An's unique premium

Thinking that peace is the insurance of his family. It can be said that the relationship between Ping An Insurance and credit card is "broken".

Therefore, Ping An's classic curve withdrawal operation is to use Ping An's insurance business.

The first step is to download Ping An Gold Manager, go to Ping An Mall to buy insurance, and buy 20%-30% of your quota. Remember to swipe your card first when you apply.

Step 2: Don't pay after placing an order. The insurance salesman called, and you said that the turnover was a little tight these days, and it would take several days (never ask for an increase). Under normal circumstances, you will receive a text message in less than a week. You won't succeed if you don't come.

Or, empty your card or leave dozens of dollars, and then call for advice and buy insurance. Insurance premiums are generally deducted from credit cards. If there is no money in the card, the temporary limit will be automatically raised. If conditions are good, the quota can be increased. Return the insurance after successful withdrawal.

Conventional extraction method

Mobile App terminal cash withdrawal channel:

1. Download and log in to the "Ping An Bank Pocket Bank" app.

2. Click on "Credit Card"

3. Click "Quota Management"

4. Perform the recall operation

WeChat WeChat official account withdrawal channel:

1, WeChat pays attention to "Ping An Bank Credit Card"

2. Click the "Easy Service" menu to bind the card.

3. Click the "Simple Service" menu-"Quota and Withdrawal"

4. Perform the recall operation

Telephone withdrawal:

Ping An can also call customer service directly to ask for an increase in the amount (under normal card use). Customer service authority is 30%. If it is higher, directly ask the customer service to help you transfer to the authorized post (customer service manager), and its authority is 100%-200%.

Why not apply for a credit card to investigate family income, real estate license, land certificate mortgage, work salary mortgage, guarantor mortgage, ID card, household registration, hometown, local situation, parents' signed consent, loan, and disapproval. Only by making a good credit card loan can we control the loan amount. Doing credit cards through consumer loans is backward in technology, leading to cheating and bad young people, part-time workers and students. Credit cards, WeChat and online loans should be banned nationwide.

How to use a credit card? Let's take Ping An Good Car Owner Card as an example. Before use, you should first understand the basic contents of the card and the rights attached to the card surface, and try to enjoy all your rights without violating the rules. For example, users of Ping An's good car owner's card can refuel at more than 20,000 gas stations nationwide and enjoy a 28% discount. This right is affordable.

How to use Ping An Bank credit card?

The function of credit card is overdraft consumption, so the most cost-effective usage is naturally credit card consumption. The premise is that mastering the correct method of swiping cards and swiping cards at the right time can bring many benefits.

Ping An Insurance Credit Card is a very good credit card. In addition to credit card consumption, its biggest feature is that it can provide cardholders with all-round insurance protection, and its 72-hour loss reporting guarantee makes many people feel more at ease in the process of using cards.

Shopping with Ping An Insurance Credit Card is the most cost-effective, which usually refers to grasping the best time to swipe your card. Ping An Credit Card can enjoy an interest-free period of 18~50 days, with a difference of 32 days between the longest and the shortest. Usually, the interest-free period of a credit card is affected by three factors, one is the date of swiping the card, the other is the date of billing, and the other is the date of final repayment.

If you swipe your card one day after the bill date, it is the most cost-effective, because you can enjoy the interest-free period of up to 50 days, while swiping your card on the bill day can only enjoy the interest-free period of 20 days. You should understand here. Mastering the best credit card time can get a longer interest-free period.

So much for the introduction on how to swipe Ping An Credit Card.