The details are as follows:

1. Credit card companies usually take measures to stop the card after it is overdue for a certain number of days, and the specific number of days may vary from bank to bank.

2. The purpose of card suspension is to remind cardholders to repay in time and prevent further overdraft risk.

3. after the card is stopped, the cardholder can't continue to use the credit card for transactions, including consumption and cash withdrawal.

4. Once the overdue payment is paid off and the corresponding fees are paid, you can usually apply to cancel the card suspension and resume the normal use of the credit card.

conclusion: if the credit card is overdue for 13 days, it may lead to card suspension, so that the credit card cannot be used for a period of time. The purpose of stopping the card is to urge the cardholder to repay as soon as possible and protect the rights and interests of both parties.

Extended information: Each bank may have different ways and time limits for overdue treatment. Please consult the issuing bank of your credit card to obtain relevant accurate information.

note: this answer is only based on empirical knowledge under normal circumstances, and the actual situation may be different due to different bank policies and personal credit status. Please refer to the specific contract and relevant legal provisions. If you need more accurate information, please contact the issuing bank directly.