Smart Money is a cash installment service provided by Ping An Bank to Ping An Credit Card principal cardholders. Cardholders can withdraw the credit limit of their credit cards to their debit cards with the same name for use. A friend wants to repay the money in advance after applying for the spiritual fund. Can the Ping An Bank spiritual gold be repaid in advance? Can Ping An Bank’s flexible funds be repaid in advance? Repayment can be made in advance. Ping An Bank's Flexible Fund supports early repayment, but only supports one-time early settlement. The settlement of arrears includes the outstanding installment principal and related handling fees. Please refer to the settlement page for the specific amount and handling fees. For early repayment, you can apply for early settlement through the Credit Card - More - Early Settlement of Ping An Pocket Bank APP, or directly call the Ping An Credit Card customer service hotline 95511-2 and apply manually for early settlement of the debt. In short, Ping An Bank’s flexible funds support one-time early repayment, but corresponding handling fees are still required. Note that a successful early repayment application cannot be canceled, so please think carefully before applying for early settlement.