If the contract says that this situation does not count as overdue, it does not count as overdue. If it is a Ping An Credit Card, it will not be considered overdue if the minimum repayment of the Ping An Credit Card is sufficient before the final repayment date. The minimum repayment amount is the minimum amount that you need to repay on your credit card every month. If you pay the minimum repayment on time, you will not incur liquidated damages and it will not affect your personal credit. However, you will not be able to enjoy the interest-free period, interest and remaining unpaid payments. It will be included in the next period's bill, and interest will be calculated based on each transaction in your bill at 50,000 per day starting from the consumption recording date until you pay it off. But if you can afford it, it’s best to pay it off, so you won’t have so many worries.
: Loan payment methods are divided into autonomous payment and entrusted payment. If entrusted payment is adopted, entrusted payment is a payment method of loan funds, which refers to the payment made by the bank (a banking financial institution established according to law) according to the borrower's payment method. Withdrawal application and payment entrustment, the loan funds are paid to the counterparty of the borrower that meets the purpose specified in the loan contract, in order to reduce the risk of loan misappropriation.
Transfer accounts refer to a bank currency settlement method that does not use cash directly, but transfers money from the payment account to the receiving account through the bank to complete currency collection and payment. It gradually developed with the development of the banking industry. When the settlement amount is large and the distance is long, using transfer settlement can make it safer and faster. In modern society, the vast majority of commodity transactions and currency payments are conducted through transfer settlement.
On March 28, 2019, the requirement for transfers to arrive after 24 hours will be cancelled, and real-time arrival will be implemented.
Domestic commercial banks have successively opened their own mobile banking. For example, China Merchants Bank has launched a three-year free mobile banking transfer and remittance activity. Mobile banking contract customers who use the iPhone version, Android version, HTML web version of mobile banking or iPad banking to handle transfers and remittances between China Merchants Bank in the same city, different places between China Merchants Bank, inter-bank same city, and inter-bank long-distance transfers can enjoy the benefit of free transfer and remittance fees.