How to pay in installments for Ping An Insurance, and how to installment for Ping An Credit Card

Ping An Auto Insurance and Ping An Bank jointly launched Ping An Auto Insurance, and you can apply for a Ping An Bank credit card to pay the premium.

Premiums can be paid in a lump sum or 12 instalments, and you can also enjoy an interest-free repayment period of 30-50 days, which is more convenient for premium payment.

Service process: If customers (except online direct customers) have service needs, they can apply for a card to the sales staff when purchasing car insurance, and the handling fee and loan interest are subject to the relevant regulations of the bank.

Note: 1. Credit cards cannot be handled directly in online sales.

2. Credit cards and car insurance are sold together and cannot be handled separately.

3. The interest-free repayment period for credit card premium is up to 50 days.

4. It is up to the customer to decide whether to pay the premium by credit card.

5. The final interpretation right of this service belongs to Ping An Insurance Company, please consult 95512-2 for further reading: [Insurance] How to buy, which is good, teach you to avoid these insurance"pits"

Installment payment is a common payment method for modern people. Many times, we want to buy a product or enjoy a service, but we don't have enough funds for the time being, so we can use the installment payment method to transfer the payment pressure to a later period of time. There are many installment payment platforms on the market, but how can you choose the right one for you?

First of all, we need to determine the amount of funds we need, if you need a small amount of funds, you can choose some loan platforms with a lower amount. If you need more money, you can focus on platforms with higher loan amounts.

Secondly, we also need to take into account the number of installments we want to install, and most of the loan platforms on the market have an installment period of between 3 months and 3 years.

The most important point is that we need to choose some regular big brands, and the loan products launched by regular platforms will be more reliable and formal.

Among them, Du Xiaoman Finance's money is easy to apply, fast to lend, flexible to borrow and repay, and users can take the initiative to apply. The interest fee for money is transparent, the interest rate of big brands is reliable, and the maximum borrowing amount is 200,000. (Click to enter the official money to spend more information).

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider having money to spend, and Money is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

Ping An Bank credit card.

Installments can be done in the following ways:

2. Bring your valid ID card and credit card to any business outlet of Ping An Bank and handle installment business at the counter.

3. Log in to the official website of Ping An Bank Credit Card and click [Installment Finance], select the type of installment you want to handle, and click [Installment Now].

Operating environment: brand model: Lenovo YOGA14S

System version: Windows 11 Pro.

Extended Information] Installment payments were made during World War II.

developed later. In the beginning, it was limited to the purchase of general daily goods or services. Later, with the rapid development of productive forces, the scale of industrial and agricultural production is expanding day by day, the cost of consumption is increasing, coupled with the development of credit of Yinlun Bank, the field of installment payment has expanded to the purchase of large-scale machinery and equipment and raw materials by enterprises.

With the improvement of China's financial services and the change of people's consumption habits, the installment consumption that is popular abroad has been introduced into China and quickly recognized by domestic consumers. Spending in installments is usually young people who have poor current payment ability but have spending needs. The products it consumes are usually laptops.

Mobile phones, digital products, etc.

Installment payments are usually offered by a bank and an installment payment provider**. The bank provides consumers with personal consumption loans equivalent to the amount of goods purchased, and the consumers use the loans to pay the goods to the merchants, and at the same time, the merchants provide guarantees for the consumers and bear irrevocable debts. Young people who use instalment payments are often referred to as "installment people".

Installment payment is actually a type of loan given by the seller to the buyer, where the seller is the creditor and the buyer is the debtor. The buyer can get the goods or services he needs after paying only a small part of the purchase price, but because interest is included in the subsequent instalments, the amount paid for the same goods or services with the instalment payment method is more than the lump sum payment.

On the one hand, the installment payment method can enable the seller to complete the first activity, and on the other hand, it also provides the buyer with the convenience of waxing.

The daily interest rate of credit cards is basically 5/10,000.

Pay the minimum payment amount in the current bill first, and you can apply for the remaining part of the bill installment, and the handling fee for 6 installments is. The amount payable in each 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 The handling fee rate of each installment The minimum repayment amount will be repaid after the implicit period bill is generated, and the next six installments will be repaid in each installment (4160 - minimum repayment amount) 6 + (4160 - minimum repayment amount).

Handling fee rate between the second day after the consumption date and the two working days before the closing of the current statement date: 6 installments per instalment Amount to be repaid = total installment amount Number of installments (the remainder is credited to the amount payable in the first installment) + Total installment amount Handling fee rate for each installment is repaid in each installment: 4160 6 + 4160 The remainder is credited to the amount payable in the first installment.

Thank you for using Ping An Credit Card, it is understood that after the Ping An Credit Card Shenlun Ji is successfully paid in installments, we will only charge a handling fee, and you can repay the bill on time according to the amount of the bill generated each period, and there will be no additional interest. At that time, log in to the online banking of Ping An Credit Card from the day after the bill is generated to the date of repayment due for repayment.

Apply for a bill installment in the Installment Bureau's Wealth Management column.

Reminder: Due to the current differentiated pricing for installment business, the specific rate will fluctuate according to the cardholder's card use with the Bank. The specific installment rules and installment handling fee rates are subject to the latest announcement of Yintong Bureau, and you can log in to the official website of Ping An Credit Card and click on installment financing.

Experience a different micro-life.

Ping An credit card has different types of installments, and the handling fee rate is different from chain training, and the handling fee rate will be differentiated according to the actual card usage of each customer.

If you have any questions, you can click the link below to select the **customer service icon - credit card in the upper right corner of the home page, 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.

Ping An Cash Installment refers to a business in which users with Ping An credit cards can apply for cash withdrawal within the credit limit and repay the loan on time. After withdrawal, Ping An Bank will charge interest to users at a certain interest rate. To put it simply, it is a borrowing behavior in which the user transfers the credit limit of the credit card to the savings card and then repays the loan on a monthly basis according to the credit card bill.

You can choose whether to use it or not according to your personal situation.

1.Can Ping An Bank cancel cash installment payments?

Once the cardholder's cash instalment application is approved, it cannot be cancelled and the instalment amount and number of instalments cannot be changed. If the cardholder wants to pay off the outstanding instalment payment in advance for the successful cash installment business, he/she must call the bank's credit card customer service**:95511-2 to apply.

Once the application is approved, he must pay the unpaid instalment and the remaining unpaid handling fee in a lump sum, and the instalment fee collected is non-refundable.

Two. What are the requirements for Ping An Bank cash installment?

1.Cash installments shall not be used for investment (including but not limited to the purchase of patient shares, **, **, equity investment), and can only be used for consumption (including but not limited to decoration, home appliances, weddings, car purchases, student assistance, travel, medical treatment, etc.). )

2.The cardholder must keep the relevant consumption voucher for cash payment, and the bank has the right to retrieve the voucher at any time.

3.The cash instalment business is limited to RMB currency, and the amount of cash that cardholders can apply for withdrawal is within the available amount of cash advance on their credit card. The minimum amount per application is $2,000 and the maximum amount is $50,000.

In addition to the normal repayment, you will also need to keep the relevant proof of cash payment obtained by successful cash instalment, and upload your proof of consumption via bank credit card** within the specified time. Banks have the right to obtain consumption vouchers at any time. If you fail to use the cash as agreed or cannot prove that the cash is used for the agreed purpose, it will constitute a breach of contract, and the Bank has the right to require you to pay the balance of the instalment in a lump sum (including but not limited to the remaining instalment principal and instalment handling fee).

Ping An Bank's cash installment is not allowed to be used for investment and other illegal operations, and the consumption invoice must be uploaded later, remember to keep it.

The hand-split renewal rate of Ping An Credit Card Consumption Reserve is based on the actual card usage of each customer, and the charging standard will be adjusted according to the actual card usage of the cardholder. 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 need to consult Ping An Bank's credit card business, you can click the link below and select "My" in the lower right corner - exclusive customer service or ask the dust collector to pay attention to Ping An Credit Card WeChat*** (paxyk95511) for consultation.

1.The calculation of the handling fee is: transaction amount monthly rate number of installments, although the handling fee may be charged in a lump sum in the first installment or may be charged monthly, but the amount of the two is the same.

As the repayment increases, the amount of money owed to the bank decreases, while the handling fee does not decrease with the repayment progress, which is different from the way the interest on bank loans is calculated.

2.Some people may think that the 6% annualized credit card instalment fee rate may not be too high compared to the current benchmark interest rate for 1-year loans, but the actual handling fee paid is higher than the loan interest over the same period. Taking the consumption of 6,000 yuan as an example, if you use the one-year installment payment method, you need to pay a total handling fee:

6000 6% = 360 yuan, and according to the standard of the bank's one-year benchmark interest rate, the equal principal method is used to repay the loan on a monthly basis, and the total interest paid for the loan for one year: 6000 yuan, which is much lower than the handling fee of 360 yuan through credit card installment. In other words, when the interest rate of a consumer loan for one year is greater than that, it is cost-effective to pay in installments.

Extended Information: Credit Card Installment Rates by Bank in 2021.

1. ICBC credit card installment handling fee: 3 installments, 6 installments, 9 installments, 12 installments, 18 installments, and 24 installments.

2. ABC credit card installment handling fee: 3-6 installments per installment, 9-24 installments per installment.

3. BOC Credit Card Installment Handling Fee: 15% for 3 installments, 6 installments, 9 installments, 12 installments, 18 installments, 24 installments (one-time charge).

4. CCB credit card installment handling fee: 3 installments, 6 installments and 12 installments are charged every month).

5. China CITIC Bank credit card installment handling fee: 12 installments will be charged every month).

6. SPD credit card installment handling fee: 3 installments, 6 installments, 12 installments charged every month).

7. China Merchants Bank Credit Card Installment Handling Fee: 3 installments, 6 installments, and 12 installments will be charged every month).

8. Bank of Communications credit card installment handling fee: charged per month per month).

9. GF Credit Card Installment Handling Fee: 6 installments, 12 installments, 18 installments, and 24 installments are charged every month).

10. Everbright Credit Card Installment Handling Fee: Apply for installment repayment before consumption, 12 months installment, charged monthly. There are 3, 6, 9 and 12 instalments of bills, and the handling fee is % (one-time charge).

Ping An Credit Card provides both bill installment and single consumption.

The installment fee is charged as follows:

The number of bill installments and handling fee rates are as follows:

The number of installments and handling fee rates for a single consumption are as follows:

10,000 installments in 12 installments, the handling fee for each period is calculated according to the calculation, and the monthly handling fee is 82 yuan.

After the installment business is handled, the installment amount of each installment is the principal of the installment, which is evenly distributed to the monthly bill according to the number of installment periods, and the remainder will be collected in the first installment; At the same time, the installment fee is also charged for each installment, and the rate of the handling fee is also different for different installments. If you apply for early settlement of instalment business, you will be required to pay the outstanding instalment balance and the outstanding handling fee in a lump sum, and will be included in the minimum repayment amount.

Here's how to apply:

The number of installments of Ping An Bank's credit card is divided into periods;

Ping An Bank Credit Card Handling Fee Rate Range: Period: Period:

Period: Period: The amount of repayment each month needs to be determined according to the amount of installments and the number of installments, so the monthly repayment amount can be calculated according to the following formula: handling fee per installment = total amount of single installment The handling fee rate of each installment corresponding to the number of installments.