Overdue does not affect the one-card account opening. If China citizens under the age of 16 living in China need to apply for a one-card card, the guardian will open an account on their behalf, and issue a valid ID card of the guardian, a resident ID card or household registration book of the account user, and a guardianship certificate. Citizens of China who live in China and are over 16 years old (including 16 years old) can open a one-card account at any outlet with a resident ID card of the People's Republic of China or a temporary resident ID card. After the credit card is overdue, users should pay off the overdue debts as soon as possible, so as not to affect the subsequent handling of other credit businesses.

The consequences of overdue are:

I. Bank Credit Card Banking Center will charge late fees and interest:

1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan.

2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.

Second, the impact of credit:

1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota;

2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future;

3. The bank will freeze the card if it exceeds a certain amount and time.