If the repayment is not made on time, the bank has the right to recover the money through legal channels or the collection department; when the credit card is not repaid on time, in addition to charging interest and liquidated damages, it will also affect the personal credit record and affect the credit card. Later, we will handle private business such as personal credit or finance. It is recommended to repay in time or negotiate with the collection staff. For specific information, you can call Ping An Credit Card customer service hotline for details.