If the credit card fails to repay on time, it will generate liquidated damages and interest, which will affect the credit record. If the credit card fails to repay for a long time, the bank has the right to recover the money through legal channels or collection departments. I suggest you repay the loan as soon as possible. For details, please call customer service hotline 955 1 1-2. Reply time: June 2020-15. Please refer to the latest business changes announced by Ping An Bank in official website.