1, as long as it is not overdue, it will not affect the credit. After the overdraft interest is generated, as long as you repay on time, it will not affect your credit. If you can't repay on time, it will affect your credit. Overdraft interest is the interest generated by consumption after the credit line of credit card is used up. The repayment amount at maturity also needs to include overdraft amount and interest. If you don't have enough funds to repay, you can choose to repay the minimum amount first, which will not affect your credit. But remember, there can be no overdue, which will affect credit.

2. The People's Bank of China issued the Notice of the People's Bank of China on Promoting the Market-oriented Reform of Credit Card Overdraft Interest Rate (hereinafter referred to as the Notice). According to the notice, in order to further promote the interest rate marketization reform, the People's Bank of China has decided that the credit card overdraft interest rate will be determined by the card issuer and the cardholder through consultation from 202 1 1. Cancel the upper and lower limit management of credit card overdraft interest rate (the upper limit is 5/ 10000 of the daily interest rate and the lower limit is 0.7 times of the daily interest rate).

1. In addition, the Notice clearly points out that credit card issuers should fully disclose the credit card overdraft interest rate and update it in time through their official website and other channels, and emphatically introduces the credit card overdraft interest rate, interest calculation method and credit card settlement agreement to ensure that cardholders fully understand and accept it. When disclosing the credit card overdraft interest rate, not only the daily interest rate and the daily repayment amount should be disclosed. , and should also show the annual interest rate.

2. It is expected that the credit card overdraft interest rate may be reduced, but there will be no vicious price competition. "In the future, there will be some downside for credit card overdraft interest rates. When asked whether the overdraft interest rate will drop sharply, Zheng Dong thinks the possibility is very low. After the market-oriented pricing of overdraft interest rate, banks should also consider the cost of capital, and finally form an industry-recognized pricing range standard. There is no "cliff-like" ultra-low pricing standard of overdraft interest rate.

3. On the other hand, customers with high overdraft frequency and amount and good credit will get more favorable overdraft interest rate. It is worth noting that the overdraft interest rate of bank credit cards is calculated at 5/ 10000 per day, that is, the annualized interest rate is 18.25%, which has exceeded the protected private lending rate stipulated by the Supreme People's Court, that is, the one-year LPR is four times, that is, about 15.4%. In this regard, Zheng Dong said that the interest rates of financial institutions and private loans should not be confused. Commercial banks should determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China, and relevant laws and regulations on private lending are not applicable.