1. If the minimum repayment amount has been paid before the final repayment date, there will be no liquidated damages and personal credit will not be affected, but you cannot enjoy the interest-free period. Interest and the remaining unpaid amount are included in the next bill. From the consumption bookkeeping date of each transaction in your bill, the interest will be calculated at the daily rate of 0.5 ‰ until you pay it off. 2. Ping An Credit Card has 6 issues, 9 issues, 12 issues, 18 issues, 24 issues, etc. You can freely choose the number of installments, and the installment fee rate is different for different installments. You can refer to different types of installment rates by clicking the links below. /branch/mkt/bank online/dist/online bankless . html #