I forgot to repay my Ping An Credit Card for 4 days

If you fail to repay your Ping An Bank Credit Card on time, penalty fees and interest will be charged and your credit record will be affected. It is recommended that you repay your credit card in time. The penalty for liquidated damages is 5% of the unpaid portion of the minimum repayment amount, with a minimum of RMB 20 yuan, and the interest is calculated based on each transaction in your bill at 50,000 per day starting from the consumption recording date until you pay it off. until.

Fees information

Over-limit fee: Over-limit fee is charged at 5% of the over-limit portion, with no minimum and maximum limit;

Late payment fee: minimum payment 5% of the unpaid amount, the minimum charge is RMB 20;

Inter-bank cash withdrawal handling fee: 2.5% of the transaction amount, the minimum charge is RMB 25;

Inter-bank cash withdrawal Handling fee: 2.5% of the transaction amount, the minimum charge is 25 yuan;

Personal overpayment recovery handling fee: 0.5% of the transaction amount, the minimum RMB charge is 5 yuan;

Inter-bank overpayment reimbursement handling fee: 0.5% of the transaction amount, the minimum RMB charge is 5 yuan;

The cost of replacing a damaged or degaussed card is 15 yuan;

Express fee (optional) 20 yuan;

Handling fee for re-sending statement: free within 3 periods, and then charged RMB 10 per month each time;

The fee for reporting a lost card is 60 yuan;

The handling fee for the password reset letter is 20 yuan;

The domestic purchase order is 20 yuan;

Application conditions

Every year Any natural person who is over 18 years old, has full capacity for civil conduct, has a stable and legal source of income, and has a good reputation can apply for a personal credit card master card from the card issuer with his or her valid identity document and other documents required by the card issuer.

The primary cardholder of a personal card can apply for supplementary cards for other qualified natural persons. The principal cardholder is fully responsible for repaying the debts incurred under the principal card and supplementary cards. Supplementary cardholders are jointly and severally liable for the debts incurred under the principal card and supplementary cards.

Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also has Many special functions provide cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".

Ping An Bank Credit Card Center was established in 2000 and settled in Qianhai, Shenzhen in 2015. It was upgraded to a credit card franchise with secondary legal person qualifications and relatively independent operations. As of November 2018, the number of cards in circulation has exceeded 50 million.

Ping An Bank is one of the main business departments of Ping An Group of China and an important part of the comprehensive financial service platform of Ping An Group of China. As a joint-stock commercial bank operating across regions, Ping An Bank has a registered capital of RMB 5.461 billion and total assets of more than RMB 130 billion. Its head office is located in Shenzhen, and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.

Is there any impact if a Ping An Bank credit card is overdue for 4 days?

You need to repay according to the bill before the final repayment date. If you fail to repay on time, liquidated damages and interest will be charged, and you will be charged It affects your personal credit, so it is recommended that you repay the loan in time. Warm reminder: Ping An Credit Card has a three-day grace period. If you repay in full within the grace period, no additional fees will be incurred and your credit record will not be affected. For example: the last repayment date is the 21st of each month, then the payment can be made before 24:00 on the 24th of the month at the latest.

Will my credit score be affected if my Ping An Credit Card is overdue for four days?

If the minimum repayment amount of the current bill is not paid in time, interest and liquidated damages will be incurred. However, if If the minimum payment amount of the previous period is paid two days before the next bill is settled, your credit will not be affected.

If the bill date is the 7th, the October bill must be repaid before October 25th, and November If you pay the minimum payment 5 days before, your credit score will not be affected.

Will the number of collection calls for Ping An Credit Card be 4 days late?

No.

There will be a phone call to remind you to repay, and it’s okay to answer the phone, as they won’t keep calling. However, you must pay it back in time, otherwise it will affect your credit report. Once the credit card is overdue, it will generate a bad credit record, which will be automatically eliminated after five years. In addition to generating a bad record, it will also incur late payment fees and of interest.

1. The late payment fee for overdue credit cards is 5% of the minimum repayment amount that cannot be paid off.

2. Credit card overdue interest calculation formula, credit card overdue interest = number of overdue days of consumption last month 0.0005. There are three numbers in the above credit card overdue interest calculation formula, namely the overdue amount, the number of overdue days and the daily interest rate.

What should I do if I forget to repay my credit card and it is 4 days overdue?

If your CCB credit card is overdue, please repay it as soon as possible. The earlier you repay, the less impact it will have on your credit history. Since the actual situation of different customers is different, our bank will handle it according to the actual situation of the customer. Please dial 95533, press the # key, and then follow the voice prompts to select "3 Credit Card Services" for consultation. A customer's long-term overdue repayment will lead to an overdue credit card. This information will be recorded in the customer's personal credit record, which may affect future loans to buy a house, buy a car, or apply for a credit card. If customers are worried about forgetting to repay, they can follow "China Construction Bank" on WeChat for payment reminders. In order to avoid the impact of late repayments on personal credit, it is recommended to arrange credit card repayments in advance.

Tips: 1. If the credit card is not repaid in full after it expires, interest will be charged on the relevant consumption transactions from the date the consumption is recorded, and compound interest will be calculated on a monthly basis. 2. If the repayment amount is lower than the minimum repayment amount, a certain proportion of the unpaid portion of the minimum repayment amount will be used as repayment penalty. 3. CCB will report overdue information resulting from failure to repay the minimum credit card repayment amount in full and on time to the financial information database of the People's Bank of China as required.

Is it considered overdue if I forget to pay off my Ping An Credit Card for 5 days?

It will not affect your credit report, and there will be interest and liquidated damages. .

Liquidated damages: When the bill is due, if the repayment is not made on time or the repaid amount fails to pay off the minimum repayment amount, in addition to affecting the customer's personal credit record, credit card consumption will also result in interest and liquidated damages. If the outstanding overdraft principal does not exceed 20 yuan or 3 US dollars, the liquidated damages will be charged based on the outstanding overdraft principal; if the outstanding overdraft principal exceeds 20 yuan or 3 US dollars, the liquidated damages will be based on the unpaid portion of the minimum repayment amount. 5%, minimum charge is RMB 20 or USD 3.

Extended information:

Generally speaking, each bank will charge a certain interest for overdue repayment. Each bank is different, usually an interest of 0.05%. However, the interest accrual date is calculated from the date of consumption, not the date after the final repayment date.

It is recommended that if the entire limit is not met, you can pay the minimum repayment amount first, which will not affect your credit limit. At the same time, there will be a buffer period to facilitate the bank to understand the capital flow of your account in a timely manner. Freeze the account.

Baidu Encyclopedia - Overdue Repayment

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