It will not have any impact.

In order to protect the interests of customers to the greatest extent, Ping An Bank provides cardholders with a repayment grace period of up to 3 days. As long as they ensure that the full payment is made within 3 days after the final payment date, they will not be charged. If interest accrues, or if the minimum payment is paid off within 3 days of the final payment date, no penalty will be incurred and your credit will not be affected.

For example: if the last repayment date is the 21st of each month, the repayment can be received no later than 24:00 on the 24th of the month. There is no need to actively apply for this service.