1. Ping An Hewlett-Packard will only deduct the funds in the bound repayment card and the funds in Ping An Bank account, but overdue will affect personal credit information. Other banks will reduce the credit card limit and the card will be blocked. If you don't have a credit card, you will directly refuse to apply for a card within two years.
2. Ping An Pratt & Whitney and Ping An Insurance are two independent companies, and they have no right to dispose of customers' accounts. Ping An Pratt & Whitney will not dispose of the customer's insurance account, and even if it is brought to court, the insurance account will be exempted from judicial execution. You can rest assured of that.
1. Ping An Pratt & Whitney Financial Business Cluster (hereinafter referred to as "Ping An Pratt & Whitney") is a subordinate business cluster of China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "Ping An Group").
Belonging to the Ping An Department, Ping An Insurance and Bank were first established in Ping An, China, and others were gradually acquired after capital was abundant. For example, the establishment of Ping An Bank is a capital game. Pratt & Whitney's main business is loans, which are competitive with Ping An Bank's loans. Advantages are fast approval and low requirements, while disadvantages are high interest.
Second, Ping An Pratt & Whitney repayment supports automatic repayment and manual repayment of a wallet and a bank savings card, which is convenient and fast. Automatic repayment: On the fixed repayment date of each month, money will be automatically deducted from your wallet or bank savings card. Manual repayment: You can take the initiative to repay through Ping An Pratt & Whitney app at any time, and we will calculate your repayment amount according to the loan balance and the actual number of days.
Three. Ping An Pratt & Whitney. At present, a set of risk control management mechanism including credit risk management and credit management system has been established. It includes a central risk control mechanism that runs through the whole process before, during and after the credit granting, and adopts a periodic risk management mode to dynamically monitor customer information in an all-round and uninterrupted way through the "three lines of defense" of the regular business department, the approval risk control center and the risk control department.
4. In addition, Ping An Pratt & Whitney has innovated the risk control mode with the advantages of big data accumulated in the past 1 1 year, and continuously optimized our risk control mode by drawing lessons from the leading technology of the international consumer credit industry. Let customers get more evaluation in the model, and constantly improve the central risk control management mechanism and credit management system of credit risk management. At the same time, the scorecard model used by Ping An in inclusive finance draws lessons from the leading technology of the international consumer credit industry, combines its own accumulated business data for many years, and comprehensively evaluates customer risks based on credit records, customer natural attributes and third-party big data information.