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Is the Ping An Credit Card Repayment Letter a routine?

No.

This commitment letter is when the cardholder is unable to repay the credit card and applies to the bank for deferred repayment. At this time, he must sign a commitment letter to ensure that he will repay the credit card on time.

Credit card repayment information will be recorded by the central bank’s credit reporting system on a rolling basis for 24 months.

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