Hello, if you don't return the amount of each bill on time after the bill is generated, Ping An Bank will charge a late fee and interest. The specific charges are as follows:

1. Calculation standard of cyclic interest: If repayment is not made in full and on time, Ping An Bank will calculate interest by installments, and interest will be collected from the bookkeeping date of each transaction in the bill until the transaction is paid off. The specific expenses shall be subject to the amount after the actual bill is generated.

2. Collection standard of late payment fee: when the overdraft principal does not exceed RMB 20 or USD 3, late payment fee will be collected according to the overdraft principal; When the overdraft principal exceeds 20 yuan, a late payment fee of 5% of the unpaid part of the minimum repayment amount will be charged, with a minimum of RMB 20 or USD 3.

If you can't repay due to shortage of funds, I suggest you log in to Ping An Credit Card Online Banking to apply for bill installment in the financial sector. This business only needs to repay the installment principal and handling fee, and no extra interest is charged. It's much more cost-effective than paying interest on schedule.

I hope our answer will get your approval. In the future, you can download Ping An Tianxiatong bound credit card and experience a different business circle.