You need to pay the bill before the final repayment date. If you don't repay on time, you will have to collect liquidated damages and interest, which will affect your personal credit. I suggest you pay back in time. Tips: Ping An Credit Card has a three-day grace period. If the repayment is made in full within the grace period, there will be no additional expenses and credit history will not be affected. For example, the last repayment date of each month is 2 1 day, so the repayment can be made before 24: 00 pm on the 24th of that month at the latest.