Ping An Bank credit card repayment date exceeding 90 days is considered overdue.

If your credit card is overdue, you should pay off the overdue bill in a timely manner within the bank's repayment grace period. If you fail to pay overdue, you will be at risk of being prosecuted. If you overdraft maliciously, you will be held criminally responsible according to law.

Situations for criminal liability for overdue credit cards:

1. The cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and the card-issuing bank exceeds the limit after two effective collections. If the credit card is not returned within three months, it shall be deemed a malicious overdraft;

2. Whether the purpose of illegal possession is to determine whether the cardholder’s credit record, repayment ability and willingness, application and overdraft credit card details shall be considered. Judgment will be made based on circumstances such as the situation, the purpose of the overdraft funds, the performance after the overdraft, the reasons for failure to repay as required. The purpose of illegal possession shall not be determined solely based on the fact that the cardholder failed to repay the loan as required.

Legal basis: Article 92 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Commercial banks shall implement classified management of credit card risk assets. The classification standards are as follows:

(1) Normal category: The cardholder can repay the amount payable in full before (and including) the due repayment date in accordance with the pre-agreed repayment rules.

(2) Category of concern: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is between 1 and 90 days (inclusive).

(3) Sub-category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 91-120 days (inclusive).

(4) Suspicious category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 121-180 days (inclusive).

(5) Loss category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days exceeds 180 days. On the premise that the business system can support it, the classification operations are legal and compliant, and the classification methods and data calculation methods have been approved by the China Banking Regulatory Commission and its relevant agencies, commercial banks are encouraged to adopt more prudent credit card asset classification standards, continue to pay attention to them, and conduct regular comparisons. Analyze important risk management indicators related to reserve accrual, risk asset measurement and other aspects, and take corresponding risk control measures.