Are there any drawbacks to using the Ping An Reserve?

Safe consumptionReserves, is based on the use of credit cards, to give high-quality customers exclusiveCredit card limitIn addition to the consumption reserve, there are also many loans from Ping An, which is similar to the special installment of the reserve, and this loan is also outside the limit, but it needs to be designated for merchant consumption for installment!

Let's talk about the disadvantages of Ping An consumption reserve fund in detail:

How to make a loan! After the Ping An Consumption Reserve Fund is approved, the loan is directly transferred to the credit card and counted as the credit card limit. You need to use a credit card to swipe out the funds, but you need to bear the handling fee for credit card consumption.

Then this handling fee generally needs to be borne by the cardholder, so this virtually increases the interest of the loan. Instead, which ones go directly to the debit card.

The card loan inside can save this money. According to the market standard rate, if you use 50,000 yuan, then the handling fee alone will need 300 yuan! So this drawback is obvious!

Interest rate issues! Since it is an installment loan, we naturally pay more attention to the interest rate. Since your ** is too small, I see the specific installment rate, but I don't see the red discount rate from the **, so I guess your monthly interest rate.

It should not be lower, that is, 10,000 yuan, and the monthly interest is 80 yuan. This interest rate is still relatively high, if converted to an adult interest rate.

That is. This APR is indeed a bit high. In addition, many of Ping An's borrowing interest rates will be slightly higher, such as Ping An Puhui.

new generation and so on. If you can get a discount on this rate, then it is suitable. Therefore, the high interest rate on borrowing is also a major disadvantage of the reserve!

Consumption voucher! This is a problem that all card loans will encounter, and after using the reserve, you need to keep proof of consumption to prove where the funds went. This is UnionPay.

However, it is generally necessary to provide consumption when lending to a savings card, because the bank cannot know where the funds go, but if the loan is made to a credit card, the bank can detect the whereabouts of the funds through the merchant where the customer swipes the card, and it is reasonable that there is no need to provide consumption vouchers. However, Ping An's spending reserve needs to be provided. Therefore, after the reserve is consumed, you must keep the consumption voucher, otherwise you will not be able to provide it at that time, and Ping An has the right to let you settle it in advance!

Ping An consumption reserve fund is on the credit! For example, if you apply for 100,000 Ping An Reserve, then you will increase your debt by 100,000 and credit of 100,000. This limit is directly increased to the credit card limit, if your original credit card limit is 30,000 yuan, and you apply for a reserve fund of 100,000 yuan, then your Ping An credit card will be on the credit report.

The amount is 130,000.

In addition to the above drawbacks, the others are basically minor problems. For example, the reserve funds cannot be used for investment, and it needs to be turned over to a savings card, and then you can use the savings card to make payments. In addition, the repayment of the reserve fund is with the credit card bill, even if there is a limit in the credit card, it will not be deducted, and you must take the initiative to repay!

The above are all the drawbacks of the safe consumption reserve!

I don't think there will be any disadvantages, because it can protect our interests very well, and it can also protect our privacy, and it can also help us solve many problems, so I don't think there will be any disadvantages. But if you don't repay on time, then there are drawbacks, so this also warns us that we must repay on time after borrowing all the money, so as not to bring unnecessary trouble to ourselves, if you don't repay, it will affect your credit.

In this way, it will lead to their ability to repay more and more poorly, which is a kind of borrowing behavior, and will also affect a person's spending power.

There are no drawbacks, as long as it is not overdue, there is no problem, if it is overdue, it will definitely affect the credit investigation, affect some other things, of course, there must be interest, so it will also make yourself suffer some losses.

Don't apply if you don't have to, you have to pay interest whether you use it or not, and the interest is very high! It's just forced consumption!

If you have a debt in front of you, they earn your arrears, say to pay you back for a month, and come out again the next month for you to pay. I paid back more than 20,000 yuan. It's simply a consumer fraud.

opened inexplicably, and deducted a lot of money.

Summary. The consequences of Ping An Bank's reserve fund not being able to pay it back:

1. If the consumption reserve of Ping An Credit Card cannot be repaid, and the minimum repayment amount of each installment cannot be repaid, Ping An Bank will charge late fees and interest, and the relevant bill fee shall be subject to the amount after the bill is generated;

2. At the same time, it will also affect personal credit history.

The specific charging standards and rules are as follows:

1. Revolving interest calculation standard: When the loan is not repaid on time and in full, Ping An Bank will calculate the interest in stages, and the interest will be calculated from 5/10,000 per day from the accounting date of each transaction in the bill until the transaction is paid off;

2. Late fee collection standard: when the overdraft principal does not exceed 20 yuan or 3 US dollars, the late payment fee will be charged according to the overdraft principal; When the overdraft principal exceeds RMB20, a late payment fee will be charged at 5% of the outstanding portion of the minimum repayment, with a minimum of RMB20 or US$3.

What will happen if Ping An Bank's reserve fund cannot be repaid.

Consequences of Ping An Bank's reserve fund not being repaid: 1. If the Ping An Credit Card consumption reserve cannot be repaid, and the minimum repayment amount of each installment cannot be repaid, Ping An Bank will charge a late fee and Jian Feng interest, and the relevant bill fee shall be subject to the amount after the bill is generated; 2. At the same time, it will also affect personal credit history. The specific charging standards and rules are as follows:

1. Revolving interest calculation standard: When the loan is not repaid on time and in full, Ping An Bank will calculate the interest in stages, and the interest will be calculated from 5/10,000 per day from the accounting date of each transaction in the bill until the transaction is paid off; 2. Late fee collection standard: when the overdraft principal does not exceed 20 yuan or shouts 3 US dollars, the late payment fee will be charged according to the overdraft principal; When the overdraft principal exceeds RMB20, a late payment fee will be charged at 5% of the outstanding portion of the minimum repayment, with a minimum of RMB20 or US$3.

My card, which began to be overdue in 2018, is it necessary to repay 18,000 yuan in a lump sum tonight or now, if it is not up to him, Huiwu will be in prison?

Is the message sent by the other party some kind of consumer finance?

The other party did not sue you. You won't go to jail.

Didn't send anything.

Then don't be afraid, first of all, there must be a ** document from the court, and only the court has the power to sentence you to jail or not?

Just yesterday, I hit **, saying that the co-organizer will repay the loan and reduce the interest, and 18,000 must be repaid before six o'clock today. But I told you that from yesterday to now, I can get 18,000 in such a short period of time.

You can tell the other party to repay the loan in installments, and if you don't agree, then ask the other party to sue you. Don't be influenced by the other party, how you should work, how you live.

They said they were going to come to the door.

Don't be afraid. It won't come to the door.

I also owe a lot of online loans.

You can't get credit on this?

"Special consumption reserve" refers to the business in which the bank provides the cardholder with a small amount of consumption reserve fund in the form of an active invitation in order to meet the consumption needs of the principal cardholder, and the cardholder can repay the principal and a certain amount of handling fee in installments. Ping An Bank's reserve fund is relatively reliable.

1. How to apply for the special reserve fund for consumption of Ping An Credit Card?

Ping An credit card consumption reserve can take the initiative to apply for 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!

2. How to use the special reserve fund for consumption of Ping An Credit Card?

Some users reported that after the invitation to apply for a special reserve for consumption, the amount was not consumed in full, nor was it transferred to my savings card, but the interest fee was charged in full, and I felt that I had suffered 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 how much is used, the handling fee will be charged according to the amount of the successful application of the consumption reserve, and the current arrears of the cardholder's credit card will be prioritized after the consumption reserve is received.

3. How to charge the handling fee for the special reserve fund for consumption of Ping An Credit Card?

The amount of principal payable in each installment is equal to the total amount of 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 credited to the amount payable in the first installment) + the total amount of installments Handling fee rate of each installment and the remaining amount payable in each installment = 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.

Summary. Ping An Reserve Fund is a small amount of emergency fund launched by Ping An Bank for high-quality credit card holders, which can only be used for daily card swiping and online payment, and cannot be withdrawn, transferred, or recycled. Usually, Ping An Bank allows users to open it by active invitation.

Ping An Reserve must be repaid on time after use, and there can be no overdue repayment, but the principal can be repaid in installments after use, but a certain handling fee is required.

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Ping An Reserve Fund is a small amount of emergency fund launched by Ping An Bank for high-quality credit card holders, which can only be used for daily card swiping and online payment, and cannot be withdrawn, transferred, or recycled. Usually, Ping An Bank allows users to open it by active invitation. Ping An Reserve Fund must be repaid on time after use, and the principal can be repaid in installments after the use of the Ping An Reserve Fund, and the principal can be repaid in installments after use, but a certain handling fee is required.

If you need funds, you can also handle it through Ping An's official channels. Ping An Bank has launched unsecured and unsecured credit loans, as well as mortgage loans and mortgage loans for houses and cars, different loan application conditions and requirements are different, whether the approval is successful is based on your comprehensive qualifications for the assessment of the cracked bank, you can log in to Ping An Pocket Bank APP-Finance-Loan, learn more and try to apply. Response time:

2020-09-28, please refer to the official website of Ping An Bank for the latest business changes.

You receive a special spending allowance.

This amount can only be used for daily card swiping and online payment, which can be used to offset the bills that have been issued, and cannot be used for cash withdrawal, transfer, product purchase, etc., and cannot be recycled.

1. After the consumption reserve fund arrives, no matter whether you use it or not, and how much you use it, you need to repay the principal and interest on a monthly basis from the second month, and it is recommended that you use it as soon as possible within a month.

Alipay and other recharge services.

In fact, it is a small amount of emergency funds for customers who hold Ping An credit cards.

1. After receiving the Jianpai Ping An consumption reserve fund, the customer can use it for daily card swiping and online payment (after reaching the credit card account, it will be used preferentially over the credit line of the credit card), and can also be used to offset the bills that have been issued.

**95511 is only possible for a single large-amount purchase.

3. You also need to note that after the Ping An consumption reserve is received, no matter whether the customer uses it or not, and how much it is used, the fixed principal and handling fee must be repaid on a monthly basis from the second month, so the customer had better use it as soon as possible.

4. If you want to apply for Ping An Consumption Reserve, only the principal cardholder can apply for it, and the supplementary cardholder cannot apply for it, and the application currency is limited to RMB. The amount of the reserve fund cannot be higher than 500,000 RMB, and of course, it cannot be less than 3,000 RMB.

Extended information: 1. The full name of Ping An Bank is Ping An Bank shares****.

It is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China.

It is one of the 12 national joint-stock commercial banks in Chinese mainland and one of the three business pillars of Ping An Group, headquartered in Shenzhen, Guangdong.

2. Its predecessor was Shenzhen Development Bank.

It is mainly engaged in financial and credit service business.

On October 20, Ping An Bank announced that it achieved net profit in the third quarter.

100 million yuan, a year-on-year increase

In the first three quarters, the net profit was 100 million yuan, a year-on-

4. The general business items are: handling RMB deposit, loan, settlement and exchange business; acceptance and discounting of RMB bills; various trust businesses; Issuance or trading of RMB with regulatory approval**; foreign exchange defense and correction slag deposits, remittances; Onshore and offshore borrowing.

Issuance or issuance of foreign currency at home and abroad**; **, non-** settlement; acceptance and discounting of foreign currency bills; foreign exchange lending; Trading foreign exchange and foreign currency on behalf of customers**, self-operated foreign exchange trading; credit investigation, consulting and witness business; insurance business; **Import business; Other business approved or permitted by the relevant regulatory authorities.