How to cancel the reserve fund of Ping An Bank, and deduct money if you don t need it

No matter how much the reserve fund is used after the application is received, whether it is used or not, the handling fee is charged according to the application amount, and it is recommended to use it as soon as possible after the application is received.

When applying for the reserve, you can choose a 0-3 day cooling-off period, and the cancellation during the cooling-off period will not incur any fees, and it cannot be canceled after the cooling-off period. After the application is successful, the funds will be transferred to your credit card, and the credit card bill can be repaid. Unused credit will be applied to new transactions on your credit card. In other words, after the reserve fund is received, the reserve fund will be used first, and the credit card limit will be used when the reserve fund is used up.

This reserve fund is only used for daily credit card and online payment, and cannot be used for cash withdrawal, transfer, or recycling.

If you have just handled the Ping An reserve, there will be a hesitation period, if you are sure that you don't need it, call customer service **95511 to 2 to cancel. If the cancellation amount is not credited to the credit card in time, the subsequent installment repayment will incur a handling fee.

Please pay the loan every month into your credit card.

The "Spending Reserve" will be used to offset the current balance of your credit card after it arrives in your account. The principal and handling fee amount of each instalment will be fully applied to the monthly minimum payment amount and will be subject to the available credit limit of the cardholder's credit card account. Cardholders are required to repay the loan according to the credit card statement and SMS notification, and if the repayment is overdue or underpaid, the corresponding interest and late fee will be charged.

Ping An Bank credit card reserve fund is a small amount of emergency funds provided by my bank for cardholders, and the principal and a certain amount of handling fee are repaid in installments through the credit card, which is directly transferred to your credit card account for consumption. You can log on to the Ping An Pocket Bank APP-Credit Card-One-click Loan page to try to apply.

Ping An Bank credit card.

Spending reserves.

It is an additional amount of credit card funds given to you by the bank in addition to your credit card, it is not a limit and cannot be withdrawn, it can be used for card swiping, and it can be repaid to the bank in up to 24 months. The special reserve for consumption of Ping An Bank credit card is only available to the principal cardholder of Ping An Bank credit card, and customers who are in the designated list will be invited by the credit card outbound marketing specialist. If you apply for a reserve of 10w Ping An consumption reserve to be repaid in 24 installments, each period handling fee, then the principal to be repaid in each period = 100,000 24=, the remaining yuan, the first installment of the principal to be repaid = yuan, and the handling fee of each period of the reserve = 100,000 * yuan period.

The amount to be repaid in the first installment = RMB, and the remaining repayment amount in each installment = RMB.

One. Ping An Credit Card.

Application for special consumption reserve: Ping An credit card consumption reserve can take the initiative to apply and/or invite, especially remind, do not listen to the so-called intermediary "Ping An consumption reserve opening method" to withdraw funds, and then collect points. Take the initiative to apply and be sure to carefully understand the rules of use, and through the **invitation application, try not to agree verbally immediately, hang up** to understand what is going on with the special consumption reserve!

Two. Use of the special consumption reserve fund of Ping An Credit Card: Some users reported that after the invitation to apply for the special consumption reserve, the amount was not consumed in full, nor was it transferred to their savings card.

But if you have to charge the interest fee in full, you feel at a loss! If you don't consume, you don't have to pay it back, how much do you consume and how much does it repay? This is a misunderstanding, no matter whether or not the consumption reserve is used or how much is used, the handling fee will be charged normally according to the amount successfully applied for the consumption special reserve, and the consumption reserve will be prioritized to offset the current arrears of the cardholder's credit card after it arrives.

Three. Ping An Credit Card Consumption Reserve Handling Fee Charge: The amount of principal payable in each installment is equal to the total installment principal divided by the number of installments, and the amount payable in the first installment = the total amount of installments The number of installments (the remainder is competitive.)

Credited to the amount of the first installment) + the total amount of installments Handling fee rate of each installment, the remaining amount payable in each installment = the total amount of installments Number of installments + Total amount of installments Handling fee rate of each installment. This calculation formula is clear and clear, the repayment fee of the consumption reserve will not decrease with the reduction of the repayment principal, and the handling fee of the consumption reserve is the same for each period, and it is calculated based on the total amount of installments, and the actual handling fee is not low.

Cooling-off period: There is a 3-day cooling-off period after the successful application for the consumption reserve of Ping An Bank credit card, if you want to cancel during this period, we can contact the credit card center of Ping An Bank and directly inform the staff to cancel the reserve;

Beyond the cooling-off period: If the cooling-off period is exceeded, we will not be able to change or revoke the application. Because once the consumption reserve fund is received, no matter whether it is used or how much it is used, the handling fee will be charged according to the amount successfully applied for the "consumption reserve".

We are required to repay the outstanding amount in full before the repayment date, including the instalment amount and handling fee.

If we really want to terminate the business, we can make early repayment. Apply through the Ping An Pocket Bank app or by calling Ping An Bank's customer service**. After the application is approved, all the remaining principal of the "Consumption Reserve" business will be deemed to be due and payable, and a handling fee of 3% of the remaining principal will be charged, which will be included in the current credit card bill (the recorded handling fee will not be refunded), and the cardholder needs to repay it in a lump sum.

Operating environment: Huawei Pocket Bank.

As long as you call Ping An Credit Card customer service** during the cooling-off period and apply for cancellation, because Ping An Bank's reserve fund can be canceled or not during the cooling-off period. If the reserve is cancelled after the cooling-off period, you can only apply for early settlement, and a handling fee will be charged. In addition, after the Ping An Bank reserve fund is settled, there is an interval for users to apply again, and the interval is at least 3 months before they can apply again.

If there is no long enough time to apply, the application will usually be denied, so it is better to wait for a certain period of time before applying.

Extended information: Disadvantages of Ping An Reserve:

1. Blind consumption: Most people will swipe the card to consume now, and there will be no feeling when swiping the card, so it will lead to blind consumption, and spending money is like running water.

2. Excessive consumption: After applying for the Ping An Reserve, although you can buy a lot of things you like, the huge installment bills caused by excessive consumption are often unrepayable, so we should consider whether we have the ability to repay them when applying.

3. No withdrawal: The amount of Ping An Reserve is directly transferred to your credit card, so it cannot be withdrawn or transferred;

4. Charges: When the Ping An Reserve Fund arrives in the account, the bank will charge a certain amount of handling fee regardless of whether you use it or not.

In addition, early settlement requires a lump sum payment of the outstanding instalment principal, as well as a penalty handling fee, which will be included in the minimum repayment amount. After the application for early repayment is successful, you can repay the loan according to the bill.

Question: Can't find prepayment.

Or you can click on the credit card and click on the customer service avatar button in the upper left corner to enter "Spending Reserve Prepayment in Advance".

Then click on me to cross the line and do it there.

After the customer chooses to apply for the reserve, the reserve fund will be credited to the account within two natural days, with a minimum amount of 2,000 yuan and a maximum of 300,000 yuan, and the specific amount will be determined according to the limit of the customer's credit card and the customer's own qualifications. When the reserve is transferred to the credit card account, everyone can use the reserve to pay, just like swiping a credit card.

PeaceReservesThe reasons why it may not be used are as follows:

Clause. 1. If the credit record is very poor, especially if there are many overdue times within 2 years, the bank will think that this kind of borrower is not willing to repay, and will of course reject the application of Royal Oak in order to control the credit risk.

Clause. 2. Infrequent use of the card: If you have a Ping An credit card.

Just put it on the shelf, it is rare to brush it a few times a year, and the chance of being rejected if you want to apply for the special reserve fund for the consumption of Ping An Ridge Qin after the cherry blossom is demolished.

Clause. 3. Weak repayment ability: If you apply for a special reserve fund for Ping An consumption, the bank will also evaluate your repayment ability, after all, if the repayment ability is insufficient, the bank will be afraid that the customer will not have the money to repay after the loan is approved, and it is easy to overdue, which will increase the bad debt rate.