Can Ping An Bank apply for credit card interest reduction?

No, if you don't repay in full and on time, you need to bear the interest yourself, and you don't enjoy the interest-free period when you withdraw cash.

1. Cash withdrawal interest: from the date of cash withdrawal, interest will be calculated at the daily rate of 0.5 ‰, and compound interest will be calculated monthly.

2. If the minimum repayment amount is paid off or not paid off in full, the ordinary credit card consumption part will not enjoy interest-free treatment, and interest will be calculated for each transaction from the bookkeeping date, with a daily interest rate of 0.5 ‰ until the date of account settlement.