Overpayment and over-transaction means that banks make targeted collection plans for different customers, find a main collection method according to their own conditions, and combine other methods to collect money. If you don't repay the loan on time, it will have an impact on your personal credit record. Once there is a bad record on your personal credit record, future loans, credit card applications and even going abroad will be affected. And if you don't repay the arrears for a long time, not only will there be high late fees and interest, but the bank may also classify this part of the arrears as malicious overdraft, and will also have the right to judicial prosecution against cardholders who don't repay for a long time. In real life, after handling the credit card, if it is overdue for more than three months or the bank has made more than two reminders, the bank will freeze the credit card and list it as a prohibited customer, and then the bank will sue in court.