Ping an credit card reserve can only be used for consumption, not for cash withdrawal. After the application for consumer reserve fund is successful, the account entry is completed, and the user can use the reserve fund online by swiping the POS machine in the physical store or paying online. However, it should be noted that as long as the Ping An credit card reserve application is successful, the system will charge the repayment amount and handling fee from the second month, regardless of whether the user is useful or not.
Therefore, it is better to apply for the reserve fund as soon as possible, otherwise it is equivalent to borrowing money and giving the bank interest in vain.
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.
Consumer losses are fully guaranteed 72 hours before the loss is reported.
-If your credit card is lost or stolen, you can apply to our bank for compensation for the consumption loss of the stolen card within 72 hours before reporting the loss, regardless of whether confidential transactions are set up.
Full guarantee for the loss of cash when the credit card is robbed-if the cardholder is hijacked by gangsters and forced to disclose the credit card password in the cardholder's name under the threat of gangsters, the life and health are seriously threatened, resulting in the loss of the credit card being borrowed in advance by gangsters through ATM machines or bank counters, the cardholder can apply to the bank for compensation.
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.
Home security
All Ping An Bank credit card holders can enjoy the protection of family property theft. 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 cash, gold and silver jewelry to protect your family safety.
Travel worry-free protection
-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 pay more than 80% (including 80%) of the tour fare (including air transportation), you can get up to 2 million yuan of aviation accident insurance protection.
A number of services make your life worry-free.
Minimum repayment amount is 5%
-Ping An Bank Credit Card can enjoy an interest-free repayment period of up to 50 days. If you repay normally 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. Keep a good credit record and make your wealth management more comfortable.
Consumption of instant messaging
-When you spend or repay money, regardless of the transaction amount, the bank will immediately send a reminder message to your designated mobile phone. If your mobile phone number changes, please call the 24-hour customer service hotline in time to modify it, or call the area that does not provide 400 service (you can go to official website).
Email consumption reminder
-You can log on to our credit card website (you can choose to read more) or call the 24-hour customer service hotline (you can go to official website) to open the e-mail consumption reminder service. Please dial in areas where 400 services are not available (you can go to official website). Regardless of the transaction amount and type, we will generally send a consumption reminder email to your designated mailbox the day after the consumption occurs. If your e-mail address changes, please log on to our credit card website or call the 24-hour customer service hotline to modify it.
Repayment in consumption abroad and RMB
-Except for transactions prohibited by national laws, the US dollar bills generated when you use Ping An Bank credit card or withdraw cash in consumption abroad can be repaid by purchasing foreign exchange in RMB. You only need to select the function of purchasing foreign exchange on the credit card application form or call the 24-hour customer service hotline. We will complete all the procedures for purchasing foreign exchange for you and repay the corresponding dollar bill.
Enjoy all-round business travel services easily.
-To provide you with more comfortable and efficient all-round business travel services. You can easily enjoy the reservation service network and the preferential reservation of more than 7,000 star-rated hotels, more than 300 tourist routes and all routes around the world, with convenient consumption and thoughtful service.
All kinds of courtesy, let you respect and enjoy.
Exquisite credit card gifts
—— From April 1 2008 to June 30, 2008, whoever successfully applied for Ping An Bank credit card and spent over 100 yuan before the end of the next month after issuing the card, a set of five enamel conditioning bowls will be given free at the designated place with the exchange voucher sent by our bank.
Free annual fee for the first year
-You can enjoy the preferential policy of exempting the annual fee for the first year if you apply now, and you can exempt the annual fee for the next year if you swipe your card six times in the same year.
Flexible quota
-The credit line tailored for you allows you to enjoy the extraordinary sense of honor brought by the high credit line. Moreover, when you need to use a large amount of money for reasons such as traveling abroad, decorating a new house, getting married, and children studying abroad, you only need to call in advance to apply, and you can increase the temporary quota. People-oriented flexible lines allow you to fully experience freedom and convenience.
Wanlitong credit card
During the trip, there will always be some accidents, and the Wanlitong co-branded card will minimize your risk. Just use the Wanlitong co-branded card, you can enjoy the high travel safety protection plan, which will ensure your travel safety more comprehensively and better.
Guarantee content
Puka Jinka VIP Gold Card
Aviation accident insurance is 506,5438+0,000,200,000.
Train and ship accident insurance 1.5 million 1.5 million 1.5 million.
Automobile accident insurance 55000 15000
Travel accident insurance 55 thousand 5 thousand
Tourist hospitalization medical treatment 5K yuan 5K yuan 5K yuan
China Travel Service Hospitalization Deposit-5Kyuan 5Kyuan
Claim relief assistance service-provide provide.
National cash support service-provide provide
Emergency rescue services at home and abroad-providing
Security upgrade, more peace of mind with cards.
Report the loss 72 hours before reporting the loss to ensure all-weather safe consumption.
Don't worry if your credit card is lost or stolen. Just call the 24-hour customer service hotline in time (you can go to official website), and please call in areas where 400 services are not available (you can go to official website). If you report the loss, it will take effect immediately, then all the credit card risks that occurred within 72 hours before you reported the loss can be applied through our bank, and we will reissue a new card for you as soon as possible according to your requirements, so as to minimize the inconvenience caused to you and let you enjoy exclusive exclusive services. (Puka is up to 5,000 yuan/year, gold card is up to 65,438 yuan+0,000 yuan/year, and VIP gold card is up to 65,438 yuan +0.5 million yuan/year).
You can choose the transaction password, and the double guarantee is safer.
By default, your Wanlitong co-branded card only confirms the transaction with "signature". You can also choose "password signature" to confirm the domestic and foreign UnionPay transactions, with free choice and unlimited amount, and double guarantee to ensure that the transactions are foolproof. You can apply for opening the transaction password service through the 24-hour customer service hotline (you can go to official website). If the 400 service is not enabled, please dial (you can go to official website) or modify the transaction password on the credit card website.
Interactive SMS reminder to ensure account security.
When you spend or repay money, regardless of the transaction amount, the bank will immediately send a reminder message to your designated mobile phone. If your mobile phone number changes, please call the 24-hour customer service hotline (to official website) to modify it, or call (to official website) in areas where 400 service is not available.
The service upgrade makes you satisfied.
The repayment amount is reduced by 5%
You don't need to deposit any cash in advance, you can sign up for consumption within the credit line and borrow cash in advance to experience a relaxed and advanced consumption and lifestyle. If you repay normally 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. Keep a good credit record and make your wealth management more comfortable.
Many select merchants offer discounts.
No matter where you are, you can enjoy the intimate and exquisite VIP service, so that you can relax and swim in every journey. At the same time, according to the logo of Shenzhen UnionPay VIP Club on the back of the Wanlitong co-branded card, you can enjoy the special merchant discount and experience all kinds of wonderful well-known merchants, including food, hotels, shopping, SPA, car rental and other services to show your noble and ultimate life taste.
Courtesy upgrade, life is doubly superior.
Relax and enjoy all-round business travel discounts.
To provide you with more comfortable and efficient all-round business travel services. You can easily enjoy the reservation service network and the preferential reservation of more than 7,000 star-rated hotels, more than 300 tourist routes and all routes around the world, with convenient consumption and thoughtful service.
Free annual fee for the first year
Free of annual fee in the first year, and free of annual fee in the following year if you swipe your card for more than 6 times in that year. More surprises are constantly presented.
Take a Wanlitong credit card and start a wonderful journey immediately.
How to use Ping An Bank's reserve fund
Ping An Bank's credit card reserve fund is a small emergency fund provided by our bank to cardholders. Credit card installment repayment, principal and a certain handling fee are directly credited to your credit card account for consumption. You can log in to Ping An Pocket Bank APP- Credit Card-One-click Loan page to try to apply.
Reply time: 2022-0 1-29. Please refer to the latest business changes announced by Ping An Bank in official website.
How does Ping An Bank's reserve fund be used for credit card consumption?
Ping An Bank's credit card consumption reserve fund is used in the same way as we usually use credit cards. It can be used for normal credit card consumption and online consumption, and can also be deducted after consumption, but it cannot be recycled. In addition, Ping An Bank's credit card consumption reserve fund can only be used for consumption, not for cash withdrawal. After the application is successful, you can use the consumer reserve fund online by swiping the POS machine in the physical store or paying online.
How to use Ping An Bank's consumer reserve fund?
1. Ping An Bank's special provision for credit card consumption is actually an installment payment business. The cardholder (only the main cardholder can apply, but not the supplementary cardholder) applies to Ping An Bank for a sum of money that can be used for personal or family consumption (cash withdrawal is not allowed), such as car purchase, wedding, medical care, education, purchase of large durable consumer goods, etc. However, after the payment is received, it will give priority to offset the customer's credit card arrears.
2. Repay the principal and a certain amount of handling fee in installments after consumption (the principal and handling fee of each installment will be fully included in the minimum repayment amount of the monthly bill and occupy the available amount of the cardholder's credit card account). The extra emergency funds given by the bank will be credited to the credit card account at one time.
3. As for the application amount, the minimum is 2,000, and the maximum is 300,000 (it must be an integer multiple of 1000), and the number of optional periods is 6, 12, 18, 24,36, etc. (The specific application period and amount are subject to the application confirmation information on the website).
4. Customers can apply directly through Ping An Pocket Bank APP, online banking or hotline. After the application is submitted, the bank will feedback the audit results in real time. Once approved, the funds will be transferred to the cardholder's credit card account within two natural days after the hesitation period.
1. Special consumer reserve fund means that Ping An Bank provides cardholders with a small amount of consumer reserve fund through active invitation in order to meet the consumer demand of the main cardholder, and the cardholder can repay the principal and a certain amount of handling fee in installments.
2. Application conditions: Ping An Bank will regularly update the target customers who meet the application for "special consumption reserve". Only target customers can apply for "special consumption reserve" from Ping An Bank, and the bank has not listed specific conditions.
3. Handling: The special reserve fund for consumption is only applicable to the main cardholders of Ping An Bank, and the customers in the designated list are invited by the outbound marketing specialist of Ping An Credit Card.
4. After the "special reserve fund for consumption" is received, the cardholder's credit card current debt will be offset first. The principal and handling fee of each installment will be fully included in the minimum monthly repayment amount and will occupy the cardholder's available credit card account. The cardholder notifies the repayment according to the credit card statement and SMS. If the repayment is overdue or insufficient, the corresponding interest and late fees will be charged.
So much for the introduction on how to use Ping An credit card reserve fund.