I received a short message from Ping An Bank today, as shown below. I will return the information as soon as I receive it. Excuse me, will this affect credit reporting?

If you mean Ping An Bank's credit card repayment, you need to make repayment according to the bill before the final repayment date. If you don't repay on time, you will be charged with liquidated damages and interest, which will affect your personal credit. Ping An Credit Card has a three-day grace period. If the repayment is made in full within the grace period, there will be no additional expenses and credit history will not be affected. You can log in to Ping An Pocket Bank APP- Credit Card-My Bill for inquiry.