Ping An, the favorite bank that collects annual fees.

In 2003, Ping An Group entered the banking industry, married Dafang Fujian Asia Bank and changed its name to Ping An Bank.

In 2006, China Ping An married Fannie and Freddie Shenzhen Commercial Bank, and changed its name to Shenzhen Ping An Bank in 2007, and then issued the first Ping An credit card-Wanlitong Credit Card. How about ping an insurance? I just sorted out the relevant contents, hoping to help you: how about Ping An Insurance? Top Ten Ping An Insurance Products Ranking List!

In 20 12, Ping An took over SDB's three rooms and integrated them into a brand-new Ping An Bank. You know, this three-bedroom apartment is the richest, and both the big room and the second room have been eliminated.

In 1980s, the 2 1 rural credit cooperatives under the name of China Agricultural Bank kept losing money. 1March, 987, these rural credit cooperatives got on the bus first and then made up the tickets without obtaining the central bank's birth permit, and were reorganized into Shenzhen Development Bank.

1In May, 1987, SDB publicly issued shares and listed on Shenzhen Stock Exchange 199 1 with the stock code of 00000 1. It is the first listed bank in New China, and also the market value giant of Shenzhen A-share.

Since 1998, a large number of non-performing loans have appeared in SDB, which started a seven-year downturn. From 2005 to 20 10, SDB missed the opportunity of great development of the banking industry perfectly, and was left behind by rising stars such as China Merchants Bank, Xingye and Minsheng, and a generation of leaders became memories.

In 2002, SDB issued the first credit card with password protection function in China.

Later, Ping An married SDB, and today's Ping An Bank came into being.

By the end of 20 18, there were 52 million Ping An circulating cards (live cards), and the cumulative number of cards issued was estimated to exceed 70 million, which was as awesome as Bank of Communications.

Flip difficulty: ☆.

Difficulty in raising the amount: ☆☆☆

Risk control probability: ☆☆☆

Wool strength: ☆☆☆

First, the annual fee, charge it 100 million first.

Ping An Bank is one of the troika of Ping An Group. It enjoys the cool with its back against the big tree. Ping An Group has over 100 million customers, fierce style and rapid development. Although Ping An ranks second in cumulative card issuance, its annual transaction volume is the highest in the first echelon, ranking fifth in the country. After thinking about it, there is only one reason, that is, most of Ping An's platinum cards need an annual fee, but they can be "exempted from the annual fee of XX million".

So, everyone tried their best to brush and brush. The annual fee for small platinum with a quota of 20,000 yuan is 600 yuan, and the annual fee will be exempted only when the amount is fully paid10.2 million yuan. There is no other way, but to buy it with a POS machine in buy buy.

Second, the introduction of Ping An credit card system.

1, Ping An issued about 40 cards, looking like passers-by. In fact, people are just keeping a low profile. They should have everything, but they won't be sharp-edged. Ping An Platinum Card holder has a sword of Damocles hanging from his head, which may fall at any time. This sword is the annual fee for a platinum card. If you want to get rid of the annual fee, you have to swipe your card hard. The radish is tempting you, and the stick is hitting you.

2. Features of peace.

1) easy to get off the card. When you get off the card, it will be sunny. Let's get started. If you get an extra platinum card, you will contribute at least1.2000. Why not?

2) The amount of money is OK. Once every six months, if there is an opportunity to raise the amount, it may roll over. The amount can be increased by 30%-50% or even doubled.

The diagnostic function of cash withdrawal on Ping An Pocket Bank APP embodies six dimensions of cash withdrawal: timely repayment is not overdue; Eat, drink, travel, buy entertainment and diversify consumption; Often use cards and pens; Buy in buy buy and spend abroad; Also considered the card holding time; It is not the most important thing to standardize the use of cards without fraud. It is important that the system cannot monitor the risk of funds.

3) Interest-free period. The interest-free period is 50 days. Goodbye.

4) Temporary availability. During the use of the temporary quota, it is also possible to increase the fixed quota, and the system will temporarily convert all or part of it into a fixed quota.

5) Especially clingy. Excellent marketing skills, love installment harassment, petty cash, exclusive installment, bill installment and so on. Are all right, because you can make a lot of money by stages.

6) Risk control is slightly strict. Friends who like long-term empty cards, single large consumption, and love online loans should pay special attention. Ping An likes to reduce the amount step by step and gradually feel the ups and downs of life.

7) Grace period. There is a three-day grace period every month. If you don't repay the loan after the grace period, you won't immediately collect the credit. You only need to pay off the arrears or the minimum payment two days before the next bill settlement, but there will be liquidated damages and interest.

8) Don't mind Cardo. Commercial banks are busy fishing for people, and it is not the most important thing to have more cards. I will give you as many cards as possible.

9) overrun. The general limit of 10% can be used beyond the limit, and the over-limit fee will not be charged temporarily.

10) air mileage.

The exchange ratio is cheating, but at least it can be exchanged, which is one centimeter longer than Everbright. Ping An Mileage Points can be exchanged for the miles of Air China, China Eastern Airlines, Hainan Airlines, China Southern Airlines and Xiamen Airlines, and the exchange ratio is 50: 1, which is better than nothing. In addition, you can also exchange 14 miles of overseas airlines, and the exchange ratio is still not beautiful. Mileage points can also be exchanged for JD.COM Iron and Steel, Club Club points and Ctrip points.

1 1) insurance protection. All kinds of accident insurance have high quotas. After all, the parent company is Ping An Insurance, and there is no shortage of this money.

12) Refueling is 8.8 fold. Go to the designated gas station to refuel, and return to 60 yuan with the highest monthly refueling bonus.

Participation cards: Diamond Card, Fortune Diamond Card, Platinum Credit Card/Jufu Platinum Card, Owner Platinum Card, Owner Card/Owner Card, car home Co-branded Card Exclusive Edition, Owner Financial Card (formerly I Car Credit Card) /i Car Card.

Participation conditions: use Ping An credit card to spend a sum on WeChat, Alipay, JD.COM and UnionPay (QR code, mobile wallet); There were four purchases of 388 yuan in that month.

3. Card application channels.

1) Apply online. Including wechat official account, official website and APP. Online application is generally not recommended.

2) Offline push. Submit personal qualification certificate and show your muscles. It's time to show your true strength.

4. Exit mode.

1) Card amount. Change the card once every six months. As for whether it can be favored, who knows. It's also good to raise the amount during the installment period. Some people can raise it without tossing, and then they will raise it.

If you want to increase the amount, you must swipe your card diligently. If you are not active in consumption, it will affect the amount; Take part in more activities, in moderate stages, and spend more and more abroad.

2) Curve lifting. 20,000 small platinum, 50,000 standard white and 300,000 diamond cards. Let's dry it.

3) Inviting to be promoted to white. Customer service actively invites naive customers to upgrade platinum, such as upgrading to elite white, owner white, standard white and so on. , clearly indicating that the new card quota will be increased by 6k/8k/ 12k, etc. You can only increase the amount of the first card after the new card is activated. By the way, it has been popular since ancient times to charge you the annual fee for the first year.

Third, the safety card is worth doing. 1, elite white. Small platinum, starting from 20,000 yuan, the annual fee for the first year is 600 yuan. If the consumption reaches 6,543,800 yuan+2,000 yuan, the annual fee for the next year can be exempted. If the flight is delayed for 2 hours, 800 yuan will pay unlimited compensation. 6 Transfer to and from domestic airports in 66 yuan/the same city. The highest comprehensive traffic accident guarantee is 6,543,800+million. Gundam 1 10,000 accident protection. Private secretarial services, such as health services, study abroad services, travel services, leisure shopping services and business services. 8.8% discount for participating in refueling.

2, the owner platinum. Small platinum starts from 20,000 yuan, and the annual fee for the first year is 800 yuan. Consumption of more than 200,000 yuan is exempt from the annual fee of the following year. Up to 2.2 million yuan for the whole vehicle accident protection. Unlimited mileage free road rescue, once a day. The highest aviation accident protection is 6,543,800 yuan. The maximum number of ordinary car washes is 24/year, and the maximum number of ordinary car washes is 6/year. 8.8% discount for participating in refueling.

3, video joint platinum.

Small platinum, starting from 20,000 yuan, the annual fee for the first year is 600 yuan. If the consumption reaches 6,543,800 yuan+2,000 yuan, the annual fee for the next year can be exempted. Flight delay of 2 hours, 800 yuan unlimited compensation; High comprehensive traffic accident protection is 6,543,800+million.

Tencent: Send Tencent video VIP members for 3 months for the first time, and then spend RMB 3 188 per month to get 1 month VIP; Online consumer theft insurance guarantees 20,000 yuan.

Iqiyi: Give Iqiyi VIP 1 month gold members in the first phase, and then spend 3 yuan every month to get 1 month VIP; Accumulated mileage points for online consumption, with a monthly limit of 10000.

4. The owner's gold card. The annual fee for the first year is 200 yuan, and the annual fee for the next year can be exempted if the brush is over 30,000 yuan; Vehicle personnel security165438+100000 yuan; Free 30 km road rescue, once a day; 8.8% discount for participating in refueling.

5. tourist gold card. Air tickets, hotels and travel agencies will be refunded 0.5% rebate, with a monthly ceiling of 100 yuan; If the flight is delayed for 4 hours, 300 yuan will be compensated every year and 900 yuan will be capped; If the baggage is delayed for 6 hours, 500 yuan will be compensated, and the annual cap will be 1.500 yuan; Travel cancellation insurance coverage 1000 yuan; The travel shortening insurance coverage is 1000 yuan. 6. Standard platinum. From 50,000 yuan, the annual fee is 2,800 yuan, and the consumption reaches 300,000 yuan minus the annual fee of the following year, and the consumption reaches 6,543,800 yuan plus 0.5 million yuan minus half of the annual fee of the following year. If the flight is delayed for 2 hours, the maximum compensation is 2,000 yuan, unlimited times throughout the year; 6 domestic airports transit in the same city; Accident protection for people with a maximum of 1 10,000 vehicles; Enjoy 5 times points in the birthday month, with a maximum of 1 10,000, which can be exchanged for medical examination packages, Chinese medicine health care and other services; Up to 6.5438+million comprehensive traffic accident protection; Private secretarial services, such as health services, study abroad services, travel services, leisure shopping services and business services; 8.8% discount for participating in refueling.

7. AE Xiaobai.

The annual fee of the main card is 6000 yuan, and the first supplementary card is free of annual fee; 6 foreign airport transfers; Unlimited international VIP service at the airport; Global car rental discount; Cruise consumption discount; Overseas air tickets/hotel consumption 10 times points; Top members or preferential treatment of hotels such as Hilton, Marriott and Shangri-La; Excellent restaurant treatment; Global golf swing therapy; Star hotel fitness pick up girls; Buy one get one free at the star buffet. ......

8. Diamond card.

300,000 yuan, top card, annual fee of 654.38+0,000 yuan. Unlimited flights are delayed for 2 hours, and the maximum compensation is 6000 yuan; 6 domestic shuttle flights and 3 overseas shuttle flights; Up to 20 million traffic accident insurance; Up to 1 10,000 vehicle accident insurance; Health etiquette at home and abroad; Hong Kong, Macao and Taiwan consumption 10 times points; Hong Kong, Macao and Taiwan MasterCard consumption cashback 5%; Global medical and travel emergency rescue services; 8.8% discount for participating in refueling.

5. Phased products.

Ping An's installment interest is high, the quota is not bold, and there is no large-scale opening of the quota to customers, so it is better than CITIC Oketa.

1, reserve fund. The maximum amount is 300,000 yuan, and the consumption beyond the fixed amount will be carried out in stages. After the application is successful, it will be credited to the credit card account, giving priority to offset the current arrears. It is equivalent to CITIC's dream to spend money at designated merchants. Credit card credit, with high interest, can be repaid in advance, but 3% of the remaining principal should be charged as liquidated damages.

2. Enjoy the premium. The maximum amount is 654.38 million. After successful application, the cash exceeding the credit card amount will be credited to the savings card account by stages, which is equivalent to CITIC's new express line. You can repay in advance, and you need to pay an additional 3% of the remaining unpaid principal as liquidated damages. The rate range is: 6 installments [0.62%, 0.89%]; 12 [0.64%, 0.83%]; 18 [0.64%, 0.83%]; 24 periods [0.64%, 0.83%].

3. enjoy the bonus. The maximum is 6,543,800 yuan, with daily interest, which can be used for short-term turnover.

4. Spiritual expenses. The cash within the credit card limit is in installments with high interest. You have to be crazy to use this thing.

Six, Ping An, the favorite bank to charge annual fees.

When you see peace for the first time, you won't feel heartbroken. You want to push him down and struggle with the annual fee. Ping An didn't let go. Although the number of cards issued and the total annual transaction volume are high, the system design of credit cards is not excellent, and the installment products are also ordinary people. Ping An's insurance product brand premium is high, which leads to its high average price. Ping An Bank follows the example of Ping An Insurance, and the interest rate of credit card installment products is high and uncompetitive.

With the big move of "paying XX million free annual fee", Ping An credit card business is booming, and you can taste all the new things in the world. It is not as sharp as the "New Year's fee" of peace as the complete barrel of Everbright.

Ping An is ugly, like a cold swordsman, but once drawn, it will blind your little eyes.