According to the inquiry of China Travel Service. Com, after Ping An Bank's credit card expires, the cardholder will be deprived of interest-free treatment and charged with full penalty interest, with a daily interest rate of five ten thousandths and a monthly compound interest. Ping An Bank's credit card repayment time includes counting the transactions from the billing date of last month to the day before the billing date of this month and generating bills. The account needs to be repaid within 18 days after the billing date, which is the repayment cycle.