If the credit card is in arrears of 5,000 yuan, it will probably need to be paid back to 2.5 yuan in one day, so one year is 9 12.5 yuan, and three years is 2,737.5 yuan. The original debt is 5000 yuan, and it needs to be paid back 8737.5 yuan. If you don't pay it back all the time, the monthly interest will be included in the repayment amount next month, which is a lot, I don't know how to calculate it, and there are various punitive expenses and so on. The average bank won't let you delay for three years. It's not much if you pay by installment or minimum repayment. As a reminder, credit card repayment records are included in the credit information. Unless you never deal with banks again in your life, you should pay them back quickly, not much. The amount of credit card fraud is 5000, and you should also pay attention to this.

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Consequences of overdue credit card:

1, resulting in high penalty interest and liquidated damages. As long as the credit card repays before the repayment date, it will not charge interest. Using credit card to withdraw cash after large consumption and overdue will not only generate interest, but also default interest and liquidated damages. The penalty interest is five ten thousandths per day, and the debt is as high as 400,000. The amount of penalty interest and liquidated damages during the four-year period is huge.

Credit card is a business launched by banks. If it is overdue, it has its own credit. Generally speaking, as long as it is overdue for more than 6 times or once for more than 3 months, it belongs to users with serious overdue credit. The overdue time is as long as 4 years, and it has been included in the credit blacklist. In the future, flying by plane, high-speed rail and handling loans in banks will be restricted.

3. Being sued by the bank, the credit card in arrears will eventually be sued by the bank. The overdue amount is 400,000. If you refuse to repay after repeated collection, you may be suspected of malicious cashing, and the final consequence is imprisonment.

4. According to the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management: Article 6 If a cardholder exceeds the prescribed limit or overdraws within the prescribed time limit for the purpose of illegal possession, and fails to return it for more than 3 months after repeated reminders from the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.