Recently, I have no money to pay back my credit card, and I have received several SMS dunning notices from Ping An Credit Card. I wonder if this will affect my personal credit?

If the credit card is overdue, it will definitely affect your credit history. It is recommended to pay the minimum repayment amount. In this case, your personal credit will not be affected. However, since you have not repaid in full, consumers do not enjoy the interest-free repayment period. From the date when consumption is recorded to the date of settlement, interest is charged on all transaction funds, and the interest is compounded monthly. The benchmark interest rate is five ten thousandths.