Three days overdue will have an impact on the credit report of Ping An Credit Card.

The details are as follows:

1. Default record: Three days overdue means that the cardholder failed to repay on time within the repayment period, resulting in a default record. The bank will submit this record to the credit bureau as an important reference for the cardholder's credit status.

2. Credit report: After the overdue payment is recorded, it will be reflected in the cardholder’s credit report. Credit report is an important basis for banks and institutions to evaluate personal credit. Overdue records will reduce the credit score of cardholders.

3. Impact on credit evaluation: Credit score is one of the indicators for evaluating the credit status of cardholders. Overdue records will be included in the credit assessment model, which may affect the review results of credit-related matters such as loan applications and credit card limit adjustments.

To sum up, being overdue for three days will have a certain impact on the credit report of Ping An Credit Card. Although the specific impact varies depending on the individual credit assessment model, the cardholder's credit assessment results may be affected if there is an overdue record.

Extended information:

There are many credit reporting agencies in China, including the Credit Reporting Center of the People's Bank of China, Shanghai Credit Rating Co., Ltd., China Chengxin International Credit Rating Co., Ltd., etc. These credit bureaus will record personal credit information, including loan records, overdue records, etc. When banks deal with overdue situations, they will report default records to the corresponding credit reporting agencies, which will have an impact on personal credit reporting.

If you want to avoid the negative impact of overdue payments on your credit score, cardholders should ensure that they repay on time. You can improve the punctuality of repayment by setting up automatic repayments, advance reminders, etc. At the same time, cardholders can also negotiate with the bank to seek a certain grace period or other repayment arrangements to avoid overdue payments.

It should be noted that the situation explained above is based on the credit reporting mechanism under normal circumstances, and the specific impact is still affected by factors such as personal credit assessment models and the specific operating rules of credit reporting agencies. Therefore, during the specific operation process, it may be necessary to understand more relevant regulations and mechanisms to obtain accurate results.

The above is an explanation of the impact of a Ping An credit card that is three days overdue on your credit report. Overdue repayment will generate a default record and be reported to the credit bureau, thus affecting the results of personal credit evaluation. Therefore, cardholders should develop good repayment habits to maintain a good credit status.