1. interest calculation principle: the interest of bank credit cards is calculated according to the overdue days and overdraft limit. The longer the overdue period, the higher the overdraft limit, and the more interest will be generated.

2. No active communication: If the cardholder does not actively communicate with the bank and does not ask for interest reduction or adjustment of repayment conditions, the bank will generally not take the initiative to reduce or adjust interest.

3. Potential impact: overdue and high interest rates may have a negative impact on personal credit records and may affect the approval results of applying for other loans or credit cards in the future.

Summary:

Therefore, if the cardholder wants to reduce the high overdue interest, he should take the initiative to contact Ping An Bank to apply for reducing or renegotiating the repayment terms. Timely communication with the bank may help to get a better solution.

Extended data:

Banks may treat overdue interest differently. Cardholders can refer to the credit card contract and relevant regulations to understand their rights and responsibilities. At the same time, the customer service channels provided by Ping An Bank can provide more detailed information and help.