First of all, failure to exchange will cause delays in your personal credit and affect your handling of financial services in various banking and financial institutions within the next eight years. Secondly, they will call the contact person you originally filled in to request repayment. If you are still unable to repay the loan, you will apply to the court for coercion. This kind of investment bank is responsible for the individual. If the account manager who originally applied for the card for you cannot handle it, he will repay it for you, so he will definitely try his best to make it happen. You returned it.