Usually, the grace period of Ping An Bank credit card is 3 days. If the user pays off the arrears or makes the minimum repayment within 3 days after the repayment date, it is not overdue and there is no need to pay penalty interest and late payment fee. If the user fails to pay off the arrears within 3 days after the repayment date, it is overdue repayment, which will not only pay the penalty interest and late payment fee, but also have a negative impact on the personal credit status. When users have difficulty in repayment, they can choose repayment methods such as installment repayment and minimum repayment amount.