That depends on your credit limit. Ordinary credit cards, if returned within 20 days after overdraft (some are 50 days, depending on what card you are), are equivalent to borrowing money without interest, and will not affect anything. But after the maturity, it will be in the form of your loan to the bank, that is, interest will be calculated, and credit will be affected. If it is serious, it will be blacklisted, which will have an impact on your future banking business, such as overdraft limit and bank loan.