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.

After consumption, the principal and a certain amount of handling fee can be repaid in installments (the principal and handling fee paid in 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.

As for the application amount, the minimum is 2,000 and the maximum is 300,000 (it must be an integer multiple of 1000). 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).

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.