Ping An Bank's credit card is overdue 10 days, so it should be locked and returned in full.

You don't need to pay back all the principal.

If the credit card is overdue for 10 days, it is not necessary to repay all the principal. If the credit card is overdue, it can generally be repaid in installments. If the overdue time is too long, more than three months, you can ask for a one-time payment. Therefore, it doesn't matter if it is overdue by 10 days. If you take the initiative to call and negotiate, you can still pay it back in installments, not too late.

What will happen if Ping An Credit Card is overdue?

1, credit investigation, credit investigation, as everyone should know, the first thing overdue is credit investigation. The longer it is overdue, the more it will cost, until the bank resolutely blacked out three months later. The main influence of credit investigation is to handle credit cards and loans.

2, default interest, overdue interest will be generated every day, 5/10000 per day, and the interest will roll every month. If you miss a meal that is three days overdue and a car that is three years overdue, the interest can roll indefinitely until you die.

3, collection, overdue for about a week, you began to receive text messages from the bank, there will be a collection call in the future, do you think it's okay? You know, it is crazy for a third party to answer the phone. Although banks basically collect money by themselves, the result will affect bank prosecution.

4, prosecution, when you are overdue for three months, the credit card debt exceeds 10,000, repeated collection is invalid, and even verbal abuse or loss, not far from the bank prosecution. If the court files a case, it will collect evidence and make a judgment. You can choose whether to be Lao Lai or go to jail.