There will be no impact. There is a grace period for overdue credit cards.

According to the notice on the issuance of 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 37 After the cardholder has paid off the principal and interest of the overdraft, the cardholder can cancel the account if it falls into one of the following circumstances:

(1) 45 days after the expiration of the credit card validity period, the cardholder shall The person does not replace the card with a new one;

(2) After 45 days of reporting the loss of the credit card, the person does not have an additional card and does not replace the card with a new one;

(3) The credit card is not good and is included in the Stop payment list, the card-issuing bank has withdrawn the credit card for 45 days;

(4) The cardholder dies for some reason, and the card-issuing bank has withdrawn the credit card for 45 days;

(5) ) The cardholder requests to cancel the account or the guarantor revokes the guarantee, and has returned all credit cards for 45 days; (6) The credit card account has not had any transactions for more than two years (inclusive);

(7) The cardholder violates other regulations and the card-issuing bank believes that the cardholder should be disqualified.

Extended information:

According to the notice on the issuance of the "Credit Card Business Management Measures":

Article 33: All transactions under the People's Republic of China and the State Units that open basic deposit accounts at domestic financial institutions can apply for unit cards. 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.

Article 26: Commercial banks must report to the People's Bank of China for approval when launching credit card business; their branches and sub-branches must report to the branches and sub-branches of the People's Bank of China within their jurisdiction to handle credit card business.

Article 27 Banks that offer credit card business must meet the following conditions:

(1) Comply with the "Law of the People's Republic of China on Commercial Banks" and the People's Bank of China Supplementary prescribed asset-liability ratio monitoring indicators;

(2) Corresponding internal management agencies;

(3) Qualified managers and technical personnel;

(4) Sound management system and safety system;

(5) Necessary telecommunications equipment and business premises;

(6) Other conditions specified by the People's Bank of China.

Article 65 If a corporate cardholder violates the provisions of these Measures and transfers money from accounts other than the basic deposit account or sales income or deposits cash into his or her credit card account, he or she shall be ordered to transfer the money to the credit card account. In addition to returning to the basic deposit account, a fine of 50,000 yuan to 100,000 yuan will be imposed.

If a personal card holder violates the provisions of these Measures and transfers the company's money to his credit card account, he will be ordered to return the money and be fined 5,000 to 10,000 yuan.

Article 66: If a cardholder withdraws cash in violation of the provisions of these Measures, he or she shall be fined 30 to 50 RMB of the amount of cash withdrawn.

Article 67 If a cardholder violates the provisions of these Measures by renting or lending a credit card or its account, in addition to being ordered to make corrections, he or she will be fined 5 but not less than the amount incurred in renting or lending the account. A fine of RMB 1,000 will be imposed and his illegal gains will be confiscated.

Article 68 If a cardholder maliciously overdrafts, he or she shall be held criminally responsible in accordance with the law.

Article 69: When accepting a credit card, a special unit shall handle it in accordance with the prescribed operating procedures. Otherwise, any financial losses caused shall be borne by it.

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