2. Detailed description:

-Banks usually submit customers' credit card repayment to the basic database of personal credit information of the People's Bank of China.

-Credit card overdue for 4 days is overdue repayment, which is regarded as bad behavior in credit record.

-Ping An Bank, as a major commercial bank, will also follow relevant regulations in credit card business and report overdue repayment information.

3. Summary: A credit card overdue for 4 days will leave a bad record in the personal credit record.

4. Extended information:

Overdue repayment may lead to a decline in credit score, limit the opportunity to obtain loans or other financial services in the future, and may affect an individual's credit lending ability and reputation.

The longer the overdue repayment time, the more serious the negative impact on credit records. Therefore, it is recommended to repay in time to avoid bad records.