Credit cards must repay the minimum payment amount on the due date of the current bill. If you do not repay at all, not only will there be due interest and late payment fees, but also an overdue record will be generated. . Ping An Bank's revolving interest and late payment fees are calculated as follows:

Revolving interest calculation standard: When repayment is not made on time and in full, Ping An Bank calculates the interest in segments and will record each transaction from the bill. Interest will be accrued at 0.05% each day from the date of the transaction until the transaction is paid off.

Late payment fee charging standard: When the overdraft principal does not exceed 20 yuan or 3 US dollars, the late payment fee is charged based on the overdraft principal; when the overdraft principal exceeds 20 yuan, the late payment fee is based on the unpaid portion of the minimum repayment amount. 5. Minimum charge is RMB 20 or USD 3.

If you find that the current bill cannot be repaid in full, you must at least pay the minimum repayment amount, or apply for installment payment, and then repay it on schedule. For the sake of your personal credit, it is best not to not pay it back at all, or delay it. repayment to the next installment.