No. According to relevant query information, I owe 3,000 yuan to Ping An's credit card, and I only have to repay 100 yuan every month. It will take a long time to pay off the debt, and it will take several years to fully pay it off. In addition, since late payment will incur high late fees and interest, these fees also need to be paid off together. Therefore, pay back as much as possible and pay off the balance as soon as possible to avoid unnecessary fees and impact on your personal credit record.