If your Ping An credit card has applied for a reserve fund and has not spent it, there is no need to repay the handling fee. However, if the reserve fund is spent, it needs to be repaid according to the repayment policy of Ping An Bank's credit card. If in doubt, please consult Ping An Bank's customer service or go to Ping An Bank's official website to inquire about relevant policies.

Besides, your reminder is very important. Personal credit is something that can't be ignored in our daily life. If you don't know your big data online, you can search for "Four Happiness Data", click Query, enter information and find your own 100-line credit data. However, with the establishment of Baixing Credit Information, almost overdue online loans will affect personal credit in the future. Therefore, I suggest that you must pay attention to your ability when borrowing money, and don't covet petty advantages and affect your personal credit record.