Can I withdraw the special reserve for consumption in Ping An Bank?

"Special consumption reserve" means that in order to meet the consumption needs of the principal cardholder, the Bank provides the cardholder with a small amount of consumption reserve in the form of an active invitation, and the cardholder can repay the principal and a certain amount of handling fee in installments. The spending reserve cannot be used for cash withdrawal, so it is recommended that you use it directly for credit card purchases. You can log in to Ping An Pocket Bank APP - Credit Card - More - Installment Loan - Reserve Fund to learn more and try to apply.

If you have any questions, you can click the link below to select the **customer service icon in the upper right corner of the home page - credit card or follow Ping An Bank credit card WeChat*** (paxyk95511) for consultation.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

The special consumption reserve of Ping An Bank credit card can only be used for personal or family consumption, and cannot be withdrawn in cash.

Introduction to the use of special consumer reserve funds of Ping An Bank:

1. The amount of gold used for consumption is limited to RMB, and the application amount must be an integer multiple of 1,000 yuan, with a minimum of 2,000 yuan and a maximum of 300,000 yuan.

2. The specific number of periods and amount that cardholders can apply for are subject to the actual situation online.

3. After the application is approved, the number and amount of the applied installment shall not be changed.

4. If the cardholder applies for early settlement of the outstanding installment balance, the cardholder must pay the outstanding installment balance in a lump sum after approval by the Bank, and the outstanding settlement fee will be charged at 3% of the principal amount of the early settlement.

5. The amount of principal payable and handling fee recorded in each installment of the special consumption reserve fund are not eligible for the credit card points program.

6. The special reserve for consumption can only be used for personal or family consumption, and cannot be withdrawn for cash. Once the reserve is credited, it will be applied to the current balance of your credit card. 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 penalty will be charged.

7. After the special consumption reserve fund is received, no matter whether it is used or how much it is used, a handling fee will be charged according to the amount of successful application.

No, it can only be used for consumption.

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.

After the loan is disbursed, the funds will be released to the user's Ping An Bank Pengxiao Code Credit Card.

Village. After the funds are received, they can be used for consumption, but they cannot be withdrawn or transferred. After the user uses the special consumption reserve, Ping An Bank will require the user to upload the consumption voucher, and if the consumption voucher is not uploaded on time, Ping An Bank will require the user to pay off all the arrears at one time.

If you need cash, then you are not suitable to apply for a special consumption reserve, but only want to apply for a part of the loan for consumption, then the consumption reserve is eligible.

Extended Materials. 1. What is the meaning of Ping An Bank's special consumption reserve?

Ping An Bank's special consumption reserve refers to an installment payment business provided by Ping An Bank to customers with good credit conditions in order to meet the consumption needs of principal cardholders. A reserve is essentially a line of credit issued by a bank.

This loan business is a business that provides cardholders with a small amount of consumption reserve in the form of an active offer, and the cardholder can repay the principal and a certain amount of handling fee in installments. To put it simply, Ping An Bank's special consumer reserve is a consumer loan given by the bank to users with good credit.

Business. Users who have capital needs can apply for this type of loan, but it should be noted that this type of loan cannot be used in the field of investment, wealth management, etc., and the tips cannot be used for chain purchase**, real estate, and wealth management products.

Wait. 2. How to use Ping An Bank's credit card consumption reserve.

When cardholders use credit cards to make purchases, they will give priority to using the reserve fund for payment, and the fixed or temporary limit will be consumed only after the reserve fund is used carefully. After the application for Ping An Bank credit card consumption reserve is successful, the funds will be transferred to the Ping An credit card in the applicant's name.

And after receiving the account, the applicant's credit card current debt will be offset first and the credit card bill will be repaid.

3. The reserve fund of Ping An Credit Card can only be used for consumption and cannot be used for cash withdrawal.

After the application for Ping An Bank's credit card reserve fund is successful, the limit will be directly issued to the user's credit card account. After the application for the consumption reserve fund is successful, the account is completed, and the user can use the reserve fund by swiping the POS machine or online payment in the physical store. According to the regulations of Ping An Bank's credit card reserve, the current arrears of the credit card will be offset first after the reserve fund is received.

The spending reserve of Ping An Credit Card is limited to purchases and cannot be withdrawn at ATMs.

Invest in Expansion Materials:

1. Ping An Consumption Reserve is a cash installment business of Ping An Bank's credit card, with a minimum application amount of RMB 2,000 and a maximum of RMB 300,000, and cardholders can choose to apply for 6, 12, 18 or 24 installments of repayment, which can be used after the amount is received.

2. Ping An consumption reserve is essentially a consumer installment credit card loan, which can be used for personal or family consumption, for example, if you have a large amount of consumer expenditure, you can apply for a reserve, and after the application is successful, it can be automatically installed, and then you can take the credit card to spend on the POS machine.

It should be noted that Ping An Reserve cannot be withdrawn, and you should not think about cashing out, otherwise it is likely to be controlled by the bank.

If the bank finds that the use of your reserve fund is suspicious, it is likely to ask you to upload a consumption voucher, and if you can't come up with a convincing voucher, Ping An Bank will withdraw your reserve amount and ask you to add all the loan amount to the installment fee for a one-time early repayment.

3. Ping An Bank is a national joint-stock commercial bank headquartered in Shenzhen.

sz000001）。Its predecessor, Shenzhen Development Bank, was the first publicly listed national joint-stock bank in Chinese mainland. Ping An of China.

and its holding subsidiaries are the controlling shareholders of the Bank. As of June 2021, the Group had a total of 37,384 employees and provided a wide range of financial services to customers through 101 branches and 1,110 business offices.

The Bank continued to deepen its digital operations, and maintained steady growth in all businesses. In the first half of 2021, operating income.

100 million yuan, a year-on-year increase

Since the transformation, the compound growth rate of revenue in recent years.

It has the highest increase among the benchmark rows. Corporate and retail revenue basically achieved "four or six" points; Net profit.

100 million yuan, a year-on-year increase At the same time, the asset quality continued to improve, and the Bank's non-performing loan ratio decreased by one percentage point from the end of the previous year at the end of June 2021. The proportions of concerned loans, loans overdue for more than 60 days, and loans overdue for more than 90 days were ., respectively91% and, down from the end of the previous year

17 and percentage points. Provision coverage ratio.

The provision coverage ratio for loans overdue for more than 60 days and the provision coverage ratio for loans overdue for more than 90 days are ., respectively11% and stupid balance. Compared with the early stage of the transformation, the Bank's NPL ratio and provision coverage ratio have been optimized to the best levels in history.

Credit card repayment: After the reserve fund is received, it will automatically be offset against the outstanding amount of Sun Block's credit card;

Consumption: The reserve fund is limited to daily shopping consumption, and cannot be used for transfers, cash withdrawals, recharge Fubao, recharge WeChat, etc., and cannot be used for investment in non-consumer fields such as purchases and purchases.

Ping An reserve funds cannot be withdrawn, and you should not think about cashing out, otherwise it is likely to be controlled by the bank. If the bank finds that the use of your reserve fund is suspicious, it is likely that you will be asked to upload a consumption voucher, and if you want to know that Hu Ming cannot come up with a convincing voucher, Ping An Bank will withdraw your reserve amount and ask you to ask you to repay all the loan amount plus the installment fee in advance at one time.

Hello, Ping An Bank's credit section next to the card consumption Huai Shen reserve is also a kind of credit consumption limit of Ming Oak, which does not support cash withdrawal or withdrawal, you can only use it through the card machine.

The special reserve for consumption of Ping An Bank credit card can be withdrawn at the Dongfu ATM, and a handling fee is charged. Ping An Bank credit card cash withdrawal is subject to a handling fee of a certain percentage of the withdrawal amount, which will be generated on the next day after the cash transaction date. Domestic cash withdrawals are subject to a handling fee of 10% of the cash withdrawal.

It is not to be raided for cash. The spending reserve is limited to the consumption of a poor person or family, and cannot be withdrawn directly from the ATM. The use of the consumption reserve will incur a certain cost, so don't use it if you don't need it.

Since it is a consumption reserve, it must not be used to withdraw cash, so it is not possible to withdraw money from the ATM.

Hello, the consumption reserve of Ping An Credit Card cannot be withdrawn at the ATM, and the consumption reserve can only be used for card consumption.

No, the reserve is only a temporary quota and cannot be withdrawn from the ATM, only the cash withdrawal limit can be withdrawn.