Does overclocking a video card hurt if you don't touch the voltage?

Question

Overclocking

In general, I drive my gtx 1650 and I can’t understand in any way whether the card will deteriorate if I drive only the frequency of the video memory and the GPU (I set +100 to the GPU frequency and +900 to the memory). everywhere they write only about heating, but I have no problems with it (the temperature rises to a maximum of 73 degrees at the maximum allowable for a video card of 92). Will such overclocking be harmful at all and will it affect the service life of the card?

Answer 1

Problems happen in case of overheating.
If the temperature is normal, nothing bad should happen.
By the way, how are things with overclocking? Is there any noticeable performance gain?