2. Detailed description:

A) Credit record is damaged: the borrower's overdue repayment will lead to a negative impact on the credit record. Banks will report overdue information to credit reporting agencies, which may make it difficult for you to apply for other loans or credit cards in the future.

B) Penalty interest: According to the loan contract, the bank has the right to collect liquidated damages for overdue amount and calculate overdue interest. This may cause you to pay more fees and increase the total loan.

C) Collection measures: The bank can take collection measures such as telephone notification, door-to-door visit or entrusting a professional collection company. These collection behaviors may bring inconvenience to your personal life and credit, and bring you pressure.

D) Legal disputes: In case of serious overdue, the bank may take legal measures to recover the arrears. This may lead to legal proceedings and further damage your credit history and financial situation.

3. Summary:

Ten days in loans overdue, Ping An Bank may suffer credit damage, pay extra fees, face collection behavior, and may cause legal disputes.

4. Extended information:

The importance of overdue repayment to personal credit record can not be ignored. In China, banks will report overdue information to credit reporting agencies, which will assess individuals' credit status. Once there is negative information in the credit record, it will be restricted to apply for loans, credit cards and renting houses in the future. In addition, according to relevant laws and regulations, banks can adopt legal collection methods, including telephone notification, home visits, and entrusting professional collection companies. If the overdue problem cannot be solved, the bank may resort to legal procedures, further damaging the borrower's credit and economic status.

5. Note: The above information is for reference only. For details, please consult relevant professionals or Ping An Bank for accurate advice and information.