Generally, if you don't return the phone, you will be sued to the court.

General court prosecution results and bank negotiation repayment; Only 10 thousand yuan, the principal can not be repaid first, and the interest can be repaid, so as not to; Interest rolls quickly. Your condition is not serious. Just pay back the money on time according to the requirements of the bank.

However, your credit history will be affected and you will not be able to deal with banks in the future. It will take at least seven years to restore your credit history.

It doesn't matter if it is overdue for two months, just interest and late fees.

I hope I can help you! However, the credit record must be spotless. Now, for example, when applying for a visa, or a company, there will be a very strict review in this regard.