An overdue credit card may affect other credit cards in my name. If the cardholder's other credit cards have the same bank account as the overdue credit card, the other credit cards may be reduced or blocked by the bank; if the overdue card does not belong to the same bank as the other credit cards, then the other credit cards will have to be raised and collected after expiration. New cards will be affected.

If a cardholder's credit card is seriously overdue, such as three consecutive or six cumulative overdue payments, a large overdue amount, or failure to repay the credit card after repeated collections by the bank, the bank may It will be blacklisted and a bad credit record will be left on the personal credit report. In this case, cardholders will be affected when they apply for credit cards, mortgages, and use other credit services or products, and in serious cases, they will face legal liability.

According to the "Notice on Issuing the "Credit Card Business Management Measures"":

Article 18 The maximum overdraft period of a credit card is 60 days.

Article 19 Credit card overdraft interest will be calculated at a daily interest rate of 5/10,000 within 15 days from the date of signature or bank accounting date, and a daily interest rate of 10/10,000 for more than 15 days, and 10/10,000 for more than 30 days. Or if the overdraft amount exceeds the prescribed limit, the daily interest rate will be calculated at 15%. 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.

Article 20: The overdraft business of each card-issuing bank must be included in its credit scale for management. The overdraft amount is transferred to short-term loan accounting.

Article 21: Malicious overdraft refers to the overdraft behavior of the cardholder for the purpose of illegal possession, exceeding the prescribed limit or prescribed period, and the collection by the card-issuing bank is invalid.

Article 22: The special unit shall not refuse to accept a valid credit card legally held by the cardholder and issued by the contracted bank for any reason, and shall not charge additional fees to the cardholder for using the credit card.

Article 23: Specially contracted entities are not allowed to pay cardholders in cash by pressing cards, signing orders, or returning goods.

Article 33: Any unit that opens a basic deposit account in a financial institution within the territory of the People's Republic of China and the People's Republic of China may apply for an unit card. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There must be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with the relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

Article 35: All funds in the unit card account shall be transferred and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.

The funds in a personal card account are limited to cash deposits held by the individual or transfers from salary payments and other legitimate personal income. It is strictly prohibited to transfer funds from the company into personal card accounts.