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The loan from Ping An Bank will be repaid on the 28th. Can I return it on the 30th?
First of all, your

credit record

Will be recorded as overdue by 1, and then the loan will incur a late fee. Therefore, your repayment on the 30th must be higher than the amount you should repay on the 28th, so as to ensure the successful deduction. As for how to calculate the late payment fee, it should be yours.

contracts for loan

There are rules on it.