There are many credit cards owned by Ping An Bank. For different cards handled by users, the collection standards and relevant regulations of annual fees will be different.
1. Ping An Bank Credit Card:
Puka: the main card 100 yuan/year, and the auxiliary card 50 yuan/year; Gold card: main card 300 yuan/year, supplementary card 150 yuan/year. The annual fee is free in the first year, and the annual fee for the next year will be reduced after the annual fee expires six times.
2. Ping An Platinum Credit Card:
The main card is 2800 yuan/year; Supplementary card 1800 yuan/year. The rigid annual fee for the first year cannot be reduced; During the annual fee period, if the consumption reaches 1.5 million yuan, 50% of the annual fee of the following year can be exempted, and if the consumption reaches 300,000 yuan, the annual fee of the following year can be exempted.
3. Ping An @ Card:
The main card 100 yuan/year, the annual fee is free in the first year, and the annual fee is free for swiping the card six times in the next year.
4. Ping An Owner's Credit Card:
The main card is 200 yuan/year, and the annual fee for the first year is rigid. If you spend 30,000 yuan or the equivalent of US dollars in that year, you can avoid the annual fee in the following year.
The annual fee of Ping An Credit Card will generally be directly included in the current bill, and the cardholder only needs to repay it with the bill.
Is Ping An Bank Credit Card Reliable?
Ping An Bank's credit card is reliable.
Ping An's credit cards are generally good, and each card comes with its own insurance. Ping 'an car owner's credit card is 18% off, with 165438+ 10,000 yuan insurance, which is quite good.
After releasing the card for about three months, the quota will be raised for the first time, and the quota will be raised by about 30%. The second withdrawal of the fixed amount is half a year after the first withdrawal, and there are two withdrawal opportunities within one year. So everyone should pay attention to their withdrawal time and don't miss these two opportunities.
During the first and second withdrawal of fixed quota, there will be two temporary quotas. Generally, the deposit is around 50%, and the use of temporary quota does not occupy the period of withdrawing fixed quota. And every time it expires temporarily, a temporary quota will be generously issued in a few days.
Credit cards of major banks have their own advantages and disadvantages. The disadvantage of Ping An Bank is that the interest on credit card consumer loans is a bit high. Ping An Credit Card has different card types and different fringe benefits. Customers can choose the appropriate card type according to their actual needs.
How much is the annual fee for Ping An Credit Card?
Ping An Bank has different annual fees for different grades of credit cards. For example, the annual fee of the main card of the diamond card is 1 1,000 yuan, and the annual fee of the auxiliary card is 6,000 yuan; Platinum card 400-6000 yuan for the main card and 0-3000 yuan for the auxiliary card; High-end co-branded credit card 400-600 yuan, 200-480 yuan.
Master card of standard gold card: 200-300 yuan, supplementary card 100- 150 yuan; Standard Puka main card 65- 100 yuan, auxiliary card 40-50 yuan; Personalized card 18-288 yuan.
Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays the money according to the monthly recorded amount.
Most domestic banks have credit card installment business. Installment payment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.
Shopping mall staging, also known as POS staging, refers to cardholders going to shopping places, such as "shopping malls" that can be staged. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).
Note: When staging in the mall, you need to verify the identity of the cardholder and remember to bring your ID card. Shopping malls are generally free in three stages. The rates for Stage 6 and Stage 12 vary from bank to bank. As long as the goods are sold normally in shopping malls, they can generally be paid by installments. In many cases, the cardholder can also bundle a number of goods together for settlement, and then pay in installments.
For credit card installment payment, most credit card users are no strangers. In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.
Bill installment is the most convenient installment method, which is basically supported by all issuing banks and is simple to apply. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully.
The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself.
How to calculate the annual credit card fee of Ping An Bank? Understand a text!
Ping An Bank has many credit card products for users to apply for, and the annual fee for applying for credit cards has always been a concern of everyone. Some users asked Ping An Bank how to calculate the annual credit card fee. Then let's briefly talk about this problem for everyone, hoping to help after reading it.
How to calculate the annual credit card fee of Ping An Bank?
According to the classification, if the user handles the ordinary card, the annual fee of the main card is 100 yuan, and the annual fee of the auxiliary card is 50 yuan;
If the user applies for a gold card, the annual fee for the main card is 300 yuan every year, and the annual fee for the auxiliary card is 150 yuan;
If the user applies for a Platinum Credit Card, the annual fee of the main card is 2800 yuan, and the annual fee of the supplementary card is 1800 yuan.
In addition, the user will pay an annual fee of 300 yuan for the Safe Car Owner Card, which will be charged rigidly in the first year. However, if the annual fee in the current year is 30,000 yuan or more, the annual fee in the following year can be reduced or exempted.
Generally speaking, although the annual fee is charged, users can basically reduce it as long as their consumption meets the requirements. For example, China Merchants Bank can deduct the annual fee for the following year by spending six strokes, and some banks can also deduct the annual fee with points. For example, CITIC Bank enjoys the Platinum Card, which can be deducted with 45 points or 220,000 points of 1 1,000 yuan.
The above is the answer to "How to calculate the annual credit card fee of Ping An Bank". Generally speaking, according to the credit card grade and the difference between the main card and the auxiliary card, the annual fee charged is different, and users can also consult the official channels on how to deduct the fee.
The introduction of how to calculate the annual fee of Ping An Credit Card and how to calculate the annual fee of Ping An Credit Card ends here. I wonder if you have found the information you need?