1. How many days can Ping An Credit Card postpone repayment?

Ping An Bank's credit card has a three-day grace period, which means that Ping An Bank's credit card can be extended for up to three days. If the repayment is not made within the grace period, it shall be deemed overdue. If it is overdue, there will be a penalty interest rate of five ten thousandths (calculated on a daily basis), and a late fee will be charged at 5% of the unpaid minimum repayment amount.

In addition, overdue credit will be reported, which will affect the cardholder's personal reputation and subsequent credit card and loan-related business. Credit card holders of six banks, including China Bank, China Everbright Bank, Ping An Bank, Hankou Bank, Huaxia Bank and China Construction Bank, can apply for a free repayment delay of up to 3 days by telephone. For example, the last repayment date is 2 1 day of each month, and the repayment can be made before 24: 00 pm on the 24th of that month at the latest.

Second, is it cost-effective to repay by credit card installment?

Credit card installment business is a kind of consumer financing behavior, and the interest rate is high in most cases. Although installment repayment is interest-free, it needs to pay part of the handling fee, and the fees charged by different banks are also quite different. However, the standard is based on the length of the installment period. The longer the period, the more expensive the handling fee.

At the same time, if you choose to repay by installments, you also need to pay the handling fee in advance. It is impossible to pay off a large amount of arrears for a long time in one lump sum. In order to avoid interest rolling, the cost of installment repayment is relatively low.

3. What should I do if my credit card is frozen?

1. If the credit card is frozen due to overdue credit card, the overdue amount should be returned as soon as possible. After paying off the credit card debt, the cardholder can call the credit card customer service center of the issuing bank to explain the situation. Under normal circumstances, banks will thaw. After that, the cardholder must repay each installment on time and not overdue, because overdue credit cards are accounted into the personal credit information system, and too many overdue times will affect future loan applications.

2. Credit card freezing caused by credit card cashing depends on the situation. If it is not a subjective cashing, but a cardholder that the bank mistakenly thinks is cashing, you can call the credit card customer service center of the issuing bank to explain the situation and apply for credit card unfreezing.

The credit card was frozen because it was stolen. Generally, after the stolen credit card is processed, the issuing bank will unfreeze it.

Don't panic if the arrears are overdue. Legal aid will be used to negotiate, and professional team lawyers will plan the repayment plan for you.