Ping An Bank's credit card negotiation repayment can be divided into the following two situations: 1. If the bill is not overdue, it is recommended that you pay off at least the minimum repayment amount so as not to affect your personal credit history. You can also try to apply for bill installment to reduce the repayment pressure. 2. If the bill is overdue, please repay it as soon as possible according to the repayment time and amount told by the staff, or contact the relevant personnel according to the contact information left by the accountant. For more accounting-related questions or repayment negotiation, please call Ping An Credit Card Customer Service at 955 1 1-2 for manual assistance, subject to the notice of the staff.