Specifically, how long it will take to fully repay can be explained from the following points:
First of all, according to the credit card contract, the cardholder needs to pay in full for 30 days overdue. This means that if the cardholder cannot repay the full amount due within 30 days of the repayment due date, Ping An Bank will require the cardholder to return the full overdue amount at one time.
Secondly, full repayment is required after 30 days overdue, in order to avoid further accumulation of late payment fees by cardholders. After the overdue period, Ping An Credit Card will calculate the late payment fee according to a certain proportion, and the cardholder needs to pay the corresponding late payment fee. Therefore, full repayment after 30 days overdue can avoid the cardholder from bearing additional expenses.
Finally, full repayment is an important way to maintain the credit record of cardholders. Overdue repayment will have a negative impact on the cardholder's credit record and affect his future loan and credit evaluation. On the contrary, timely and full repayment can maintain a good credit record and play a positive role in improving the credit rating and credit limit of cardholders.
To sum up, Ping An Credit Card needs to be fully repaid 30 days overdue. This requirement is mainly to protect cardholders from the accumulation of late fees and maintain their good credit records. Cardholders should try their best to repay on time before the due repayment date to avoid extra expenses and credit losses.
Supplementary information: As a cardholder, you should pay attention to avoid overdue repayment when using credit cards. Overdue repayment will not only cause late payment fees, but also have a negative impact on personal credit records. Therefore, it is suggested that cardholders plan their consumption reasonably, make arrangements for funds before the repayment expires, and ensure a good credit record and healthy credit card usage habits. At the same time, if there is any ambiguity or need more detailed information, it is recommended that the cardholder consult Ping An Bank's customer service in time to get an accurate answer.