Legal analysis: if the repayment is overdue for more than 3 months, the bank may be sued if it fails to repay twice. Cardholders need to repay before the final repayment date. If the repayment date is exceeded, in addition to collecting interest and liquidated damages, personal credit records will also be affected, and personal credit or financial services will also be affected later. Therefore, in order to avoid affecting credit cards and personal credit records, cardholders should repay on time.

If it is impossible to repay in full, the cardholder can choose to repay by installments or return the minimum repayment amount, which will not affect the credit card.

Banks will also take the initiative to send text messages to remind cardholders to repay on time. If the repayment is not made on time, the bank has the right to recover the money through legal channels. For details, please call Ping An Credit Card Customer Service at 955 1 1 turn 2 for consultation.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.