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Ping An Bank credit card overdue.

In addition to late payment fees and interest, the overdue record of Ping An Bank's credit card will seriously affect the future credit life. For example, when applying for a credit card from another bank, the bank will investigate the applicant's credit record, and overdue records will increase the difficulty of application. Ping An Bank's credit card is overdue? Deal with it like this.

ping an bank's credit card is overdue?

1 in case of overdue, pay off the arrears in time, and continue to use the credit card to repay on time every month. After two years, the overdue record will no longer affect your card application, because the bank will only examine the applicant's repayment record in the last 24 months.

2 a credit card is bound to a debit card, and it will be repaid automatically after it expires. It should be noted that it is best to use the debit card of the same bank to avoid inter-bank repayment fees.

3 Repay a few days before the final repayment date, because it takes time for inter-bank transfer, and some banks receive their accounts within 24 hours. If they do not receive their accounts before the final repayment date, they will also be overdue.

4 if you have more than one credit card, you can call customer service to modify the billing statement, so that the repayment date of the credit card can be concentrated within one week and the repayment can be made at the same time.

if ping an bank's credit card is overdue for more than 3 months or the bank still refuses to repay it after more than two reminders, then the bank may sue the cardholder. This situation is still serious, so be sure to remember to pay back in time and not to be overdue.