1. Credit cards have a grace period of about 3 days after the repayment date. Repayment within the grace period is regarded as timely repayment. If it is overdue 1 day after the repayment date stipulated by Ping An Bank, it will not affect;

2. If it is overdue 1 day after the grace period, it is overdue and there will be a bad credit record.

3. Credit cards that are overdue for more than 5 days at a time will not enter the blacklist of the central bank's credit information system. Overdue for 3 times or 90 days will be blacklisted.

Credit card records only show the last 24 months, and previous records are hard to find. Therefore, after the occurrence of bad records, as long as the cardholder spends at least 1 yuan every month in the next 24 months and repays on time, the previous bad records can be overwritten and a good record can be regenerated without affecting the subsequent credit.