The repayment date of Ping An Credit Card can be extended by 3 days, and the extended time is counted as a grace period. As long as the user repays within the extended days, it will not be considered overdue. Once it is exceeded, not only will overdue interest be paid, but overdue records may also be uploaded to personal credit information.

On the billing date of the credit card, Ping An Bank will count the transactions from the billing date of last month to the day before the billing date of this month and generate bills. Accounts need to be repaid within 18 days after the bill date, which is the repayment cycle. For example, if the billing date is 5th, the final repayment date is 23rd of the current month, that is, the credit card account needs to be repaid before 23rd of each month.

As long as the bill amount is paid off in full before the due repayment date, the non-advance cash transactions on the bill can enjoy an interest-free period ranging from 20 to 50 days (the interest-free period is not enjoyed for cash withdrawal transactions, and 0.5 ‰ interest will be added daily from the cash withdrawal trading day, and the interest will be compounded monthly until the cash withdrawal amount is fully paid off).