generally speaking, from the overdue repayment of Ping An Bank's credit card to the bank's suspension of your card, it is usually through a reminder phone call or a reminder letter from Ping An Bank. If you still don't repay, it is very likely that the credit card account will be frozen by the issuing bank, and the record of arrears may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record.

If this is the case, it is useless for you to worry. What you need to do is to make credit card repayment at the first time to protect your personal credit record. If it is not maliciously overdue, you can make a statement to the bank and repay as soon as possible. In short, your repayment as soon as possible is the best way to solve the problem of card suspension.

When your overdue records are generated, you must not directly cancel your card, which will only harm yourself more. What you need to do is to continue to use Ping An Bank's credit card well for two years, because you usually handle credit cards or loans, and the credit records you inquire basically only show the credit situation in the past 24 months, so your good records in these two years will cover your bad records, thus forming a good credit record.