How to use a credit card? Are the discounts offered by Ping An Bank great?
Big.
How to use:
1. Exclusive rights and interests: Ping An Bank has many types of credit cards, and each card has its own preferential rights and interests. For example, with the Ping An Yuexiang Platinum Card, all new users who complete the verification of the card from May 1 to December 31, 2021 and meet the consumption standards can participate in the "Various Gifts 8 Yuan Exchange" activity; Ping An Good Car Owner Card users can enjoy "Come on and get 12% off the benefits and get instant rebates."
Ping An You Ni Card users can enjoy the rights to freely customize the card face; Ping An Taobao Card users can enjoy online shopping points;
Ping An Tencent Video VIP Gold Card users can enjoy Tencent Video membership And theft compensation protection rights, etc. Ping An Credit Card has many benefits, discounts and card types, making it suitable for a wide range of consumers.
2. Points consumption: Ping An Bank Credit Card has specially launched the "Points for Every Consumption" activity from June 1st to August 31st this year. Cardholders do not need to register. Use Ping An Bank Credit Card (Ctrip Platinum (Except for a very few cards such as credit card)) is bound to a third-party payment institution for consumption. As long as each purchase exceeds 1 yuan, points can be randomly drawn, up to 10 times the points, and there is also a chance to win a million-point koi prize.
Points can not only be redeemed for traffic, phone bills, shopping mall gifts, department store tickets and other gifts, but can also be redeemed for various offline services, including high-speed rail airport VIP lounges, airport transfers and other business travel services, as well as physical examinations , teeth cleaning and other services.
3. Personal credit: As long as you use Ping An Credit Card frequently and in multiple scenarios, and keep repaying your bills on time, you can accumulate an excellent personal credit record. An excellent personal credit record will have a great impact on the work and life of the cardholder. It is very helpful
Version model: Apple 12ios412.5.35
We have to start based on our actual needs. In which area we usually consume the most, we should choose the card type related to that area. . Take Ping An Bank's credit cards as an example. There are dozens of types of Ping An credit cards. In addition to standard cards, there are also many cards targeted at different customer groups, such as the Ping An Yuexiang Platinum Card, which is specially designed for young people. After the cardholder reaches the consumption limit, You can enjoy the "Various Gifts 8 Yuan Exchange" activity, that is, exchange for 8 yuan for any gift. The gifts that can be exchanged are brands that are popular among young people today, such as KFC, Haagen-Dazs, Ele.me, and Tencent Video , Youku Video, NetEase Cloud Music, QQ Music, KEEP, etc.
At the same time, new users who apply for a card before December 31 this year can enjoy the preferential policy of waiving annual fees for life. There is also the Ping An Good Car Owner Credit Card created for car owners. Cardholders can enjoy the trump card benefit of “12% off on refueling” and can save up to 1,200 yuan per year. In addition, there are also benefits such as Tuhu small maintenance package and Tuhu coupon gift pack worth 3888 yuan. How to use a credit card? Cardholders must learn to make full use of the card’s inherent benefits.
In addition to the exclusive card benefits, Ping An Bank’s credit cards also have a wealth of points redemption activities. Points can be accumulated through Ping An Credit Card purchases and activities, which can be recharged and exchanged for electronic tickets and tens of thousands of products in the Ping An Pocket Bank APP mall. How to use a credit card? Credit cards allow you to "spend first and repay later." Some people consume uncontrollably and exceed their financial affordability, resulting in overdue repayments. This not only increases their debt problems, but also affects their credit records, and collections and collections will also interfere with them. normal life and work. Therefore, we must remember not to consume impulsively, but to consume appropriately according to our own economic situation and consumption level.
How to use a credit card? How to use Ping An Credit Card?
Do you want to ask how to use a credit card correctly? Then let’s talk about the guide to using Ping An Credit Card.
Ping An’s preferred card usage habits
Here are the card consumption habits preferred by Ping An Bank:
1. Make sure that Ping An’s credit card makes 15 purchases per month about.
2. Among the 15 purchases, three were made at high-end merchants and three were made at Ping An Online Mall.
3. After the bill is issued, make overpayment, for example, if the credit card limit is 10,000, the repayment will be 15,000.
4. Through more than 15 purchases, the consumption reaches about 90 of the credit card limit.
According to the above process, the temporary limit and the fixed limit can be issued within two billing days. Good users only need to pay the limit on one billing day.
It is worth noting that Ping An Bank does not like cash withdrawals. And Ping An Bank doesn’t like to pay only the minimum amount.
Ping An’s unique insurance premium
When you think of Ping An, it’s their insurance. It can be said that the relationship between Ping An Insurance and credit cards is "disconnected".
So Ping An’s most classic curve increase operation is to use Ping An’s insurance business.
The first step is to download Ping An Gold Butler, go to Ping An Mall to buy insurance, and buy 20-30 of your own limit. Remember to swipe the card first when applying.
The second step is to place the order without paying until the insurance salesman calls. You said the turnover is a bit tight these days and it will take a few days (never ask for an increase). Under normal circumstances, you will receive a text message to increase your quota in less than a week. If you don't come, it will not be successful.
Or, empty the funds in the card or leave dozens of dollars, then call for consultation and purchase insurance. The premium is usually deducted from the credit card. If there is no money in the card, the temporary limit will be automatically increased. If the conditions are good, the fixed amount can be increased. After successfully raising the amount, just cancel the insurance.
General method of raising the balance
Mobile App side raising the channel:
1. Download and log in to the "Ping An Bank Pocket Bank" app
2. Click "Credit Card"
3. Click "Limit Management"
4. Perform limit increase operation
WeChat official account limit increase channel:
1. Follow "Ping An Bank Credit Card" on WeChat
2. Click on the "Easy·Service" menu to bind the card
3. Click on the "Easy·Service" menu - "Limit" · Increase the limit”
4. Perform the limit increase operation
Telephone limit increase:
Ping An can also directly call customer service to request a limit increase (if the card is used normally In this case), the customer service authority is 30. If you need a higher level, just ask the customer service to transfer you to the authorized post (customer service manager). Its authority is 100-200.
When applying for a credit card, why not keep a confidential investigation on family income, real estate certificate and land certificate mortgage, work salary mortgage, guarantor mortgage, ID card, household registration, hometown and local conditions, parents’ signed consent form for loan and disagree with the loan opinion letter. Only by controlling the loan amount can you apply for a credit card loan. Credit card consumer loans are backward technology and can lead to fraud and bad luck among young people, working people and students. Credit cards, WeChat and online loans should be banned nationwide.
How to use a credit card? Let’s take the Ping An Good Car Owner Card as an example. Before using it, you must first understand the basic content of the card and the bonus rights on the card, and try your best to enjoy all your own rights without using the card in violation of regulations. For example, Ping An Good Car Owner Card users enjoy a 12% discount on refueling at more than 20,000 gas stations across the country. This kind of benefit is really beneficial.
How to use a credit card? How to use Ping An Credit Card?
Ping An Credit Card often launches various preferential and benefit activities to help consumers save money. Friends who hold Ping An Card must remember to pay attention to the news pushed by official text messages, public accounts, Ping An Pocket Bank APP, etc. For example, if you apply for the Ping An Good Car Owners Credit Card, you can enjoy a 12% discount on refueling and instant rebates. The "Suixiang Edition" rebates on refueling are 30 yuan/month, with a maximum annual rebate of 360 yuan. New users who complete activation will receive a 3888 yuan rebate for their first purchase. Tiger coupon gift package, and order a Tuhu small maintenance package for 88 yuan; "luxury edition" users can enjoy 100 yuan/month rebate on gas, with a maximum annual rebate of 1,200 yuan, and new users will receive a safe trip worth 1 million yuan for their first purchase upon activation. Assure.
Version model: Apple 12ios412.5.35
:
1. Exclusive rights: There are many types of Ping An Bank credit cards, and each card has its own exclusive rights. preferential rights.
For example, with the Ping An Yuexiang Platinum Card, all new users who complete the verification of the card from May 1 to December 31, 2021 and meet the consumption standards can participate in the "Various Gifts 8 Yuan Exchange" activity; Ping An Good Car Owner Card users can enjoy "Come on and get 12% off the benefits and get instant rebates."
Ping An You Ni Card users can enjoy the rights to freely customize the card face; Ping An Taobao Card users can enjoy online shopping points;
Ping An Tencent Video VIP Gold Card users can enjoy Tencent Video membership And theft compensation protection rights, etc. Ping An Credit Card has many benefits, discounts and card types, making it suitable for a wide range of consumers.
2. Points consumption: Ping An Bank Credit Card has specially launched the "Points for Every Consumption" activity from June 1st to August 31st this year. Cardholders do not need to register. Use Ping An Bank Credit Card (Ctrip Platinum (Except for a very few cards such as credit card)) is bound to a third-party payment institution for consumption. As long as each purchase exceeds 1 yuan, points can be randomly drawn, up to 10 times the points, and there is also a chance to win a million-point koi prize.
Points can not only be redeemed for traffic, phone bills, shopping mall gifts, department store tickets and other gifts, but can also be redeemed for various offline services, including high-speed rail airport VIP lounges, airport transfers and other business travel services, as well as physical examinations , teeth cleaning and other services.
3. Personal credit: As long as you use Ping An Credit Card frequently and in multiple scenarios, and keep repaying your bills on time, you can accumulate an excellent personal credit record. An excellent personal credit record will have a great impact on the work and life of the cardholder. is very helpful.
How to activate Ping An Credit Card? How long is activation valid for?
Ping An Credit Card is a credit card that many people will choose to apply for. It has always been loved by everyone. Many people have applied for this credit card. However, the credit card cannot be used immediately. It also needs activation. So, how do you activate your Ping An credit card? How long is its activation validity period?
Ping An Bank's credit card activation method
1. Online activation
You can log in to the official website of Ping An Bank, select "Credit Card Activation" on the website, and enter After entering the interface, enter the relevant certificate number, set the password and submit it for activation.
2. Customer service hotline activation
You can call Ping An Bank’s credit card customer service hotline 95511. After dialing, press the “2” key, then press the “1” key, and select “Card Activation” Function can be activated by completing the relevant steps according to the voice prompts.
3. SMS activation
When applying for a credit card, a mobile phone number will be reserved. You can edit the text message "JH card last 4 digits, last 4 digits of ID number, validity period" and send it to 9551186 for activation.
Four. , Activation at bank branches
If you are a user who applies for a credit card online for the first time, you need to bring your ID card and the card letter sent to you by the bank to go to the bank for activation.
So, how long is the activation period for your Ping An credit card?
Ping An Youni Credit Card has no expiration date for activation. You can activate it at any time. However, because credit cards have a useful life, it is usually engraved on the card. Therefore, you have to activate the credit card within the period of use, otherwise the credit card will expire and it will not be activated.
Nowadays, there are many ways to activate credit cards. Friends who have applied for a Ping An Credit Card and want to activate it can choose a convenient, fast, time-saving and effort-saving method based on the methods summarized above and combined with their own circumstances. way to activate it.
Ping An Bank Credit Card Usage Rules
Notes on credit card consumption: 1. The credit card can only be used by you, and you cannot lend the card to others; 2. Please keep your personal information properly and do not Tell others the validity period, password and other information; 3. When swiping the card for consumption, the credit card should not leave your sight; 4. When entering the password, please pay attention to covering it. The password setting should not be too simple. Do not use birthday, phone number, ID number as Password; 5. When you get the new card, you should sign on the back of the card immediately; 6. There is some credit card information on the purchase form and cannot be discarded at will; 7. Please identify the website address carefully to prevent access to fake shopping websites and fake online Payment webpage; 8. Please carefully read the consumption notification text message sent by our bank; 9. Please update your contact information in a timely manner. If you need to inquire about Ping An Bank's credit card business, you can click the link below and select "My" in the lower right corner - exclusive customer service or follow Ping An Credit Card's WeChat public account (paxyk95511) for consultation.
How to use a credit card? What are the tips for using Ping An Credit Card?
You can bind your credit card to Alipay, and then deposit your own money into Alipay or other financial products. When you usually use money, use your own credit card. In this way, it will not affect your daily consumption, but you can also use your money to earn a step profit. Kill two birds with one stone.
Tips are:
1. Swipe multiple cards and use cards from various merchants:
When cardholders usually eat and shop, they should try to use their credit cards to swipe as many cards as possible, and at the same time Don’t swipe your card at the same merchant all the time, as this will help increase your credit limit.
2. Pay with the card after the bill is issued:
Usually, cardholders can pay with the card after the current credit card statement comes out, so that they can enjoy the longest interest-free period.
3. Swipe your card at Ping An Bank’s cooperative merchants:
When cardholders swipe their cards, they can try to choose to spend at Ping An Bank’s cooperative merchants to enjoy discounts.
Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”
That’s it for the introduction of how to use the Ping An Credit Card.