1. If the repayment of a Ping An Bank credit card is one day overdue, is it considered overdue?

It is not counted.

In order to protect the interests of customers to the greatest extent, Ping An Bank provides cardholders with a repayment grace period of up to 3 days. As long as they ensure that the full payment is made within 3 days after the final payment date, they will not be charged. If interest accrues, or if the minimum payment is paid off within 3 days of the final payment date, no penalty will be incurred and your credit will not be affected.

For example: if the last repayment date is the 21st of each month, the repayment can be received no later than 24:00 on the 24th of the month. There is no need to actively apply for this service.

2. How long will it take for Ping An Bank to suspend the card overdue?

Ping An Bank’s credit card is overdue for three months, and the card suspension time is different in different situations.

1. If the user has passed the final payment date, the overdue debt will be recalculated. After paying off the debt, you can apply to unfreeze the credit card. Whether the unfreezing can be successful or not, It needs to be subject to the bank's review results.

2. If the user's credit card is suspended due to overdue payment, he/she needs to reapply for overdue payment, call the Ping An Bank credit card customer service hotline, and provide the bank with the overdue application.

3. Is repaying a Ping An Bank loan 20 minutes late also considered overdue?

No, it does not count

Generally, it will be fine within three days of being overdue

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4. Is one day late in paying off a car loan from Ping An Bank considered overdue? Will it affect credit history? Is it serious?

It’s a good day! But it’s best to be on time next time so as not to affect the letter