Yes. Failure to pay the annual fee for Guangfa Bank's credit card will have an impact on your personal credit and cause it to be overdue. Once it is overdue, an overdue record will be generated, which will affect your personal credit. If you continue to fail to pay the annual fee, your credit card may also be frozen. , it will be difficult to apply for a loan from the bank later. Therefore, failure to pay the annual fee for Guangfa Bank’s credit card will have an impact.