Of course it will affect usage. Let’s take the simplest example:

When swiping a card in a shopping mall, the cashier is also required to show his ID as required. If he finds that the pinyin name does not match the name on the ID card and cannot be determined to be for personal use, then the card will not be accepted. Business (only irregular small supermarkets do not need to show ID. According to regulations, merchants must require cardholders to show ID to verify that it is for personal use).

To put it bluntly, China Merchants Bank is just afraid of trouble. In fact, this problem is easy to solve, it just takes some time. The pinyin name is modified in the system, and then the card replacement transaction is performed. It just takes some time for the head office to send the new card.