A one-day late repayment of a Ping An Bank credit card will generally not directly affect your personal credit record. The following is a detailed explanation of this conclusion:

1. Grace period on the repayment date: Ping An Bank credit cards usually give customers a certain grace period, that is, within a period of time after the repayment date, they can still Make your payments on time without being considered past due. This grace period is usually 1-2 days. Even if the payment is made within one day after the payment date, it will not be considered overdue.

2. Credit bureau record updates: Credit card repayment information is generally recorded and updated by credit bureaus. In the case of repayment one day late, Ping An Bank may not immediately report the overdue record to the credit bureau due to the existence of the grace period, so personal credit records are usually not directly affected.

3. Possibility of long-term impact: However, if late repayments occur frequently, it will have a negative impact on personal credit history. This is because the credit bureau records and counts an individual's repayment status. If there are consecutive overdue records, it will lower the individual's credit score and affect the approval of subsequent applications for loans or other credit products.

To sum up, repaying one day late usually does not directly affect your credit score. But be aware that frequent late payments can have a long-term negative impact on your credit history. It is recommended that users maintain good repayment habits and avoid late repayments to maintain personal credit.

Qingdog Kuaicha is a service platform that provides credit big data inquiry. It can provide more detailed personal credit record inquiry and related credit information. Users can understand their credit status through this platform to better understand their credit status. Manage your personal finances and credit effectively.

Extended information: The specific provisions of the grace period of Ping An Bank's credit cards can be found in the bank's credit card service terms. Personal credit record is an important basis for credit evaluation. For more information about credit reporting, you can consult the credit reporting agencies or relevant credit service agencies.