1. If Ping An Credit Card is used, it needs to be repaid according to the bill. If installment payment is needed, it is recommended to try to apply through the page of Ping An Pocket Bank APP- Credit Card-More-Installment Loan. 2. If Ping An Credit Card fails to repay on time, it will generate liquidated damages, interest and affect the credit record. If the long-term arrears are not repaid, the bank has the right to recover the money through legal channels or collection departments, and it is recommended to repay as soon as possible; You can call the credit card customer service hotline 95511-2 for details.