If the user fails to repay the loan in time, Ping An Bank will remind him before prosecution. According to the Securities Law of People's Republic of China (PRC), the pre-litigation warning letter of Ping An Bank has no legal effect. It means that the user has a loan in Ping An Bank and is in a long-term overdue state. Ping An Bank reminded him before the prosecution that if he did not repay the loan, Ping An Bank would sue.