Have an impact. Credit cards have the functions of bank credit line and overdraft, and some banks need to charge a certain overrun fee if they overdraw their credit cards. At the same time, if the cardholder fails to return the minimum repayment amount of the current credit card bill before the due repayment date, the bank will charge a late fee and interest. Credit card is a kind of bank card that can borrow money from the bank on time, so it is also called "debit card".