If I miss a payment of my iCloud plan, how long do I have to download my iCloud library?

Hi.

I have my entire photo library uploaded to iCloud library. I have a monthly renewal subscription. Let's say I miss my payment a month, how long do I have to download my entire iCloud photo library before Apple deletes it?

The reason I'm asking is just to be sure I will have enough time to download all my photos in case my card is rejected or whatever reason I'm unable to pay the monthly fee.