Does not affect credit.

The "Notice on Issuing the "Credit Card Business Management Measures"" has corresponding provisions:

Article 18 The maximum overdraft period of a credit card is 60 days. Credit card overdraft interest will be calculated at a daily interest rate of 0.05% within 15 days from the date of signature or bank statement, and a daily interest rate of 10.00% for more than 15 days.

If it exceeds 30 days or the overdraft amount exceeds the prescribed limit, the daily interest rate will be calculated at 15/10,000. Overdraft interest is not calculated in stages, but is calculated based on the highest interest rate bracket for the final term or the maximum overdraft amount.

Extended information:?

Relevant legal provisions of the "Notice on Issuing the "Credit Card Business Management Measures"":?

Article 52 The unit is the holder of The cardholder provides "tolerance service". If the cardholder has insufficient repayment in the current period, and the unpaid portion of the account after the due repayment date is less than or equal to a certain amount (at least the equivalent of RMB 10), it shall be regarded as Repay in full with the cardholder.

When the cardholder’s repayment amount is less than the minimum repayment amount before the due payment date (inclusive), the member unit may charge a late payment fee. Late payment fees should not exceed national standards.

Article 53: Commercial banks may, based on the principles of voluntariness and confidentiality, collect relevant risk information on marketers, cardholders, special merchants, service agencies, etc. who have engaged in bad behavior in the credit card business. share and strengthen cooperation in risk management.

Baidu Encyclopedia - "Notice on Issuing the "Credit Card Business Management Measures""