Free annual fee
Annual fee for rights customization: the annual fee for rights customization is 288 yuan/year/month, which will be deducted from the credit card account once your card is activated. If the right is not cancelled, it will be automatically updated every card year. Other charging items are consistent with the charging standard of Ping An Bank credit card UnionPay single currency card.
Rights and interests are paid monthly, and qualified customers are notified by SMS before the end of the standard month. The monthly notification SMS will be sent to the mobile phone number reserved when the customer applies for a credit card. If there is any modification, please contact Ping An Bank's 24-hour customer service hotline in advance to complete it.
Extended data
Description of rights grant and distribution:
1, the rights and interests viewing group or delicious group need to spend points or online for the current month with an amount of 188 yuan to get the rights and interests of the current month, and there is no consumption threshold requirement for the points. If you select multiple permissions, you need to meet the permission rules of each permission package at the same time in order to enjoy the permissions of each permission package in the current month.
2. Sports fanatic includes two rights and interests: excellent sports every month: giving/kloc-0 58 yuan every month from the second month of activation, with unlimited rights and interests: enjoying 50% discount on the store price from the second month of activation, and enjoying swimming and fitness unlimited times throughout the year.
3. The party's rights and interests, online, entertainment, catering consumption incentives 10 points per month. Please refer to the section "Points Policy" for details of designated consumption. The maximum reward points per month is 20,000 points, which is valid for 6 months after import. The monthly total amount of gifts will be notified by SMS.
Ping An Bank-Ping An is your credit card.
I would like to ask Ping An Bank to have your credit card free of annual fee for life.
Your credit card is free of annual fee.
According to Ping An Bank's standards, Ping An Yours Card was originally a series of credit cards of Ping An Bank that were free of annual fees for life, and no additional handling fee was required when it was activated. Moreover, Ping An's card gives users more choices on the basis of the traditional Ping An credit card, and cardholders can choose their favorite rights to apply.
I. Credit card application
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Second, the opening of credit cards.
Opening a credit card account cannot guarantee that the payee is the applicant, because after the credit card application is passed, the card is mailed. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
How to calculate the annual fee of Ping An Credit Card?
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.
1. Is Ping An Bank's 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.
2. Ping An Bank Credit Card Free Annual Fee Policy:
Ping An Bank's credit card, 1653, can be exempted from the annual fee for the first year, and the annual fee for the next year can be exempted if it is spent six times in the current year (except platinum card and owner card). Ping An Platinum Credit Card's annual fee for the first year is rigid (cannot be reduced). If you spend 150000 yuan in the current year, you can get rid of 50% of the annual fee for the next year, and if you spend 300,000 yuan in the current year, you can get rid of the annual fee for the next year. The supplementary card has the same rules as the main card.
The first year's rigid annual fee (non-deductible) of Ping 'an car owner's credit card, and the annual fee for the following year can be exempted if the consumption reaches 30,000 yuan or equivalent US dollars in that year.
3. Process for processing credit cards:
Identify banks, and you can log in to major banks in official website for detailed information; You can apply directly to the business outlets, or you can apply at the bank in official website; Fill in the form and fill in the relevant information according to the guidance of the staff; Fill in the information and submit it to the bank for review; The card can be issued after approval.
Legal basis: Article 33 of the Measures for the Administration of Credit Card Handling Business. Financial institutions in People's Republic of China (PRC) and China can apply for a unit card to open a unit in basic account. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.
Is there an annual fee for Ping An Youcard?
Ping An Yourcard has no annual fee, but it is a life-long annual fee-free credit card. But the rights and interests of the card need to be customized. The annual subscription fee is 288 yuan per year. Once your card is activated, it will be deducted from your credit card account. If the rights and interests are not cancelled, the insurance will be automatically renewed every card year. Other charging items are consistent with the charging standard of Ping An Bank credit card UnionPay single currency card.
Ping An Yourcard is a kind of credit card that provides young customers with free choice and flexible combination. Business card printing fee 50 yuan/card (standard card is free, other cards are charged normally). It can be said that it is very good to enjoy the rights and interests of the integral party, the viewing group and the delicious school.
Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks. The registered capital is 565,438 yuan+23.35 million yuan and the total assets are nearly 65,438 yuan +0.37 trillion yuan. Its headquarters is located in Shenzhen, Guangdong Province.
China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An") and its holding subsidiaries hold about 2.684 billion shares of Ping An Bank, accounting for about 52.38%, and are the controlling shareholders of Ping An Bank. There are 34 branches in China and representative offices in Hongkong.
20 12, 1, Shenzhen Development Bank, the predecessor of Ping An Bank, acquired Shenzhen Ping An Bank, a subsidiary of Ping An Insurance Group. After the acquisition, SDB changed its name to New Ping An Bank, which officially opened. 2065438+On June 26th, 2009, eight banks including Ping An Bank launched the first batch of enterprise information networking verification systems.
Ping An Bank Debit Card refers to the RMB debit card issued by Ping An Bank to the public with the approval of the People's Bank of China. It has the functions of inquiry, deposit and withdrawal, transfer settlement, universal deposit and withdrawal, one-card multi-account, shopping and consumption, payment agent, self-service banking, telephone banking, online banking, revolving loan, VIP service and so on.
Ping An Bank has four debit cards, namely Puka, Gold Card, Platinum Card and Diamond Card.
Is there an annual fee for Ping An Bank credit card?
Ping An Bank's credit card has an annual fee, and the specific rules for collecting the annual fee are as follows:
1. ping an bank credit card Capka annual fee for the main card 100 yuan/year, and annual fee for the auxiliary card, 80 yuan/year;
2. Ping An Bank Credit Card Gold Card Annual Fee 175 yuan/year, Sub-card Annual Fee 125 yuan/year;
3. The annual fee of Ping An Bank Credit Card Platinum Card is 2,800 yuan/year for the main card and 1800 yuan/year for the auxiliary card;
4. Ping An Bank credit card diamond card annual fee 10000 yuan/year, and sub-card annual fee 6000 yuan/year.
Ping An Bank's credit card has an annual fee-free policy:
1. In Ping An Bank's credit cards, some cards enjoy automatic annual fee exemption in 1 year, and the annual fee will continue to be reduced after the consumption reaches the standard in the second year. For example, Ping An Bank's Ctrip Platinum Credit Card has an annual fee of 480 yuan/year, and the annual fee will be automatically reduced in the first year. If you spend 12 times in that year, you can continue to reduce or exempt the annual fee. Ping An Good Car Owner's Card is automatically exempted from annual fee in the first year, and the annual fee can continue to be reduced after spending 6 times in that year.
2. Among the credit cards of Ping An Bank, some types of cards can be exempted from annual fees for life, such as Ping An Premium Card, Ping An No Card, American Express Yao Hong Card and MasterCard Platinum Card. In addition, as long as you apply for a platinum card before 65438+February 3 1 this year, you can also enjoy the annual fee-free treatment for life.
Ping An Bank Credit Card is the first credit card launched after Shenzhen Commercial Bank merged with Ping An Bank and changed its name to Shenzhen Ping An Bank. In addition to basic functions such as credit consumption and cash advance, Ping An Bank also has many unique functions, providing cardholders with all-round security protection covering "safe consumption, safe home and safe travel".
All natural persons who have reached the age of 18, have full capacity for civil conduct, have a stable and legitimate source of income and have a good reputation can apply to the card issuer for a personal credit card master card with their valid identity documents and other documents required by the card issuer. The main cardholder of Ping An Bank's credit card can apply for supplementary cards for other qualified natural persons. The cardholder of the main card shall take full responsibility for the debts incurred under the main card and the supplementary card. Supplementary card holders shall be jointly and severally liable for the debts incurred under the main card and supplementary card.
Does Ping An Bank accept DNF series with your card? Is there an annual fee?
Your card is free of annual fee for life, but you have to charge a business card printing fee. 50 yuan card and standard card are free. If the card is successfully issued, the business card printing fee will be deducted from your card account.
1. Equity annual fee. The annual interest fee is 288 years. Once your card is activated, it will be deducted from your credit card account. Other charging items are consistent with the charging standard of Ping An Bank credit card UnionPay single currency card.
2. After the cardholder successfully applies for this function, when the single consumption reaches the preset initial amount, the system will automatically stage the single consumption according to the preset staging times within the set validity period. When there are multiple eligible transactions at the same time during the validity period, the system will automatically stage them one by one, and there is no need to apply again.
3. The cardholder will transfer the cash to the debit card of the same name in a lump sum within the credit limit of your card, and repay the principal and a certain amount of handling fee in installments.
This is the end of the introduction about whether the annual fee of Ping An You Credit Card is free for life. Did you find the information you needed?