If the credit card is overdue, the bank may take the means of home dunning. If the minimum repayment amount of the bill is not paid in time before the due repayment date, late fees and interest will be charged, and personal credit will be affected. The overdue fine is 5% of the unpaid minimum amount, and the minimum fee is RMB 10 yuan or USD 1 yuan. Interest refers to the collection of all consumption in the current period from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. In order to avoid affecting personal credit, it is recommended that you repay on time. If it is not convenient to pay off the bill in full, please pay off at least the minimum repayment amount on time. According to Article 196th of the Criminal Law of People's Republic of China (PRC), one of the following circumstances is the crime of credit card fraud. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.