For personalized installments of Ping An Credit Card, you must pay sincerity first to prove your ability to repay. Paying the earnest money in personalized installments with Ping An Credit Card can prove your willingness and ability to repay to a certain extent, and it can be accepted at your discretion in order to reach negotiations. Ping An Bank requires payment of earnest money before repayment to ensure the borrower's sincerity in repayment and to provide a certain financial guarantee. By paying the earnest money, you can see whether you have the ability to repay. After successful repayment, Ping An Bank will refund the earnest money. to the borrower.