The minimum repayment amount of Ping An Bank's credit card = (the unpaid part of the minimum repayment amount in the previous period+annual fee+principal and handling fee recorded in each installment business and the resulting interest+withdrawal principal and handling fee and the resulting interest) * 100%+ (consumption amount+other expenses) * 10%. Interest is calculated at the daily interest rate of 0.5 ‰ of the usage amount.

Other expenses include liquidated damages, interest, loss reporting fees, damages, etc. Except annual fee, withdrawal interest and handling fee. If the customer has paid off the minimum repayment amount on time in the first installment, when calculating the minimum monthly repayment amount, the consumption amount and expenses will be calculated from the original 10% to 5%. If the calculation method of the minimum repayment amount changes, the latest rules published by the bank in official website shall prevail.

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Measures of Ping An Bank for Overpayment of Credit Cards

Overpayment means that the funds deposited by Party B in the credit card or overpaid at the time of repayment exceed the amount approved by the bank (fixed amount+temporary amount). Party A shall not pay interest on the overpayment of Party B's credit card. If Party B recovers all or part of the overpaid amount in the card, it must apply to Party A in a way recognized by both parties. After confirmation by Party A, the overpayment will be remitted to my account designated by Party B by remittance, and the handling fee for overpayment will be borne by Party B.. If the overpaid part is withdrawn through self-service equipment, transfer or the counter of bank outlets, it is regarded as a cash withdrawal transaction, and a cash withdrawal fee is required.

Ping An Bank-Ping An Bank Credit Card Collection Contract