If a Ping An Bank credit card is overdue for more than 30 days, it will be displayed on the personal credit report.

Details:

1. China’s personal credit information system is mainly operated by the Credit Information Center of the People’s Bank of China. Banks, non-bank financial institutions and other related institutions all use personal credit information The information is submitted to the Credit Reference Center for summary and recording.

2. When a credit card is overdue for more than 30 days, Ping An Bank will report the overdue information to the Credit Reference Center. The credit report center will record this information in the personal credit report and generate a personal credit score, which will become a reference for evaluating personal credit status.

3. Personal credit report is considered to be one of the important tools for assessing personal credit risk. Banks, financial institutions and other relevant institutions often refer to the information in personal credit reports when reviewing personal loans, credit card applications or other credit services.

4. The length of time that overdue items are recorded on your credit report will affect your personal credit score. Generally speaking, the longer the overdue period, the lower the credit score and the greater the impact on personal credit status.

5. Overdue credit card records are usually retained in personal credit reports for a period of time. The specific retention period may vary according to the policies of different institutions.

Summary:

Ping An Bank credit cards that are overdue for more than 30 days will be shown in the personal credit report. Personal credit report is an important reference for assessing personal credit risk. The length of overdue records will affect personal credit scores.

Extended information:

Personal credit reports are widely used in China for credit business approval by financial institutions and other related institutions. In addition to credit card overdue records, personal credit reports also contain other credit-related information, such as personal loan records, guarantee information, credit limits and usage, etc. Overdue records have a greater impact on personal credit scores. In addition to possibly leading to rejection of loan or credit card applications, it may also lead to higher loan interest rates or increased difficulty in obtaining other financial services. Therefore, maintaining a good credit record and timely repayment are important factors in maintaining personal credit.

Please note that the above information is for reference only, and specific credit reporting policies and retention times may vary according to the requirements of relevant agencies. If you have specific needs, please consult Ping An Bank or the Credit Reference Center of the People's Bank of China for the latest information.