Time of application for bill installment: the application for bill installment can be applied from the day after bill issuance to+1 due repayment date. For example, customers can apply for bills on the 5th of each month, that is, from June to 24th. After the application is submitted in stages, Ping An Bank will conduct an audit, which may not be successful; If the installment is unsuccessful, the minimum repayment amount can be paid. The minimum repayment amount does not affect the credit investigation, and some interest is charged.

If the repayment is not made in full, the ordinary credit card will not enjoy interest-free treatment, and interest will be calculated from the date of each transaction, with a daily interest rate of 0.5 ‰ until the date of account settlement.