Affect personal credit information. Ping An compensation means that the borrower fails to repay the loan on time and the insurance company makes compensation. Compensation behavior is included in personal credit report, which seriously affects personal credit report. When handling credit cards, mortgage loans and car loans, it will have a serious impact. Ping An compensation will have a serious negative impact on individuals. When a similar situation occurs, it is necessary to negotiate with the insurance company in time to repay or postpone the repayment in time.