Repay according to the regulations of the bank, otherwise there will be a bad credit record and you will be sued. The consequences of overdue credit cards are as follows: 1. Bank Credit Card Banking Center will charge late fees and interest: 1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum charge is 10 yuan RMB or 1 USD. At the same time, the bank will charge five ten thousandths of the interest every day. Second, the impact on credit: 1, if it is overdue for less than one month, it is considered overdue once. As long as it is overdue once, even once, it is difficult to increase the limit; 2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to obtain loans and credit cards in the future; 3. After a certain amount and time, the bank will freeze the credit card.