1. Users will have bad credit records.

2. It is very likely that you will be on the credit card blacklist, which will have a negative impact on your future lending business.

3. High overdue penalty interest is incurred. Failure to repay the loan for six months after the due date has already incurred half a year's penalty interest. The larger the principal, the higher the penalty interest.

4. Users with serious circumstances will be sued by the bank, and the user will need to bear the litigation costs. Those found guilty of malicious overdraft will be held criminally liable.