Credit cards of regular banks will not do anything illegal, and neither will Ping An Credit Card. Use your credit card according to your ability, don't overdraw it, and you won't be charged if you can't repay it. If something is really overdue, take the initiative to communicate with the bank and don't make a phone call. In addition, don't lend your credit card to others. If something goes wrong, the bank will only hold you accountable.