1. The minimum repayment amount is the minimum monthly repayment amount of your credit card. Pay the minimum repayment amount on time, there will be no penalty, and personal credit will not be affected. However, you cannot enjoy the interest-free period. Interest and the remaining unpaid amount will be included in the next bill, and the interest will be calculated at the rate of 0.5 ‰ per day from the consumption bookkeeping date in your bill until you pay it off.

2. Bill installment is to apply for installment repayment of the bill amount of your credit card consumption, which requires a certain handling fee, but does not charge interest. After the installment is successful, the installment principal and handling fee will be credited to the credit card bill on time every month, and you only need to repay before the final repayment date according to the bill. Installment of bills can reduce the pressure of repayment and enrich the types of cards used.

Tips: The bill installment and the minimum repayment amount have their own advantages, so you can choose according to your actual situation.

Reply time: September 29, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.

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