It will not affect your credit report. But it depends on how many days it takes you to repay. If it takes too long, it will be considered overdue. Your account will be frozen and your debt record will be fed back to the People's Bank of China and recorded in your credit file, affecting your personal credit.

The timely repayment service provided by Ping An Bank Credit Card Center is 3 days. That is, the repayment is deemed to be repaid on time before 24:00 on the third day after the last payment date. Generally, credit cards have a three-day grace period. If you don't repay after the grace period, you will be delinquent and will be charged late fees and interest.

What are the penalties for late credit card payments? First, it affects personal credit: 1. Overdue once within a month is considered overdue, which affects his credit card withdrawals; 2. Overdue for 3 consecutive times or 6 times in total, a bad credit record will appear, and future loans and credit cards will be difficult; 3. If a credit card is overdue, If the card is overdue for a certain amount and time, the bank will freeze the card. Second, late payment fees and interest need to be paid 1. If the credit card is overdue, the overdue penalty will be calculated as 5% of the unpaid portion of the minimum payment. 2. When the credit card expires, the bank charges 0.05% interest on the entire bill every day.

If it is overdue, it is recommended that you call the Ping An Bank Credit Card Center to apply for an extension. Generally speaking, it can be delayed for 3 days, which will not have any impact on your credit inquiry. Some bank credit cards now have a three-day grace period after payment. As long as the repayment is considered on time during the grace period, it will not be late. There is a 20-day difference between the settlement date and the repayment date of Ping An Bank. There is a 3-day grace period for credit card payments. Payments during the grace period will not be delayed and interest will not accrue. However, penalty interest will be charged after three days, and personal credit investigations may affect future loan business, such as bank loans and credit cards. When you are unable to repay in full, you must apply for installment repayment or minimum repayment within the repayment date. (Also known as the grace period, it refers to the grace period service provided by the bank for a certain period. Repayment within the grace period is deemed to be repayment on time.)