It's been three years since I overdrawn a number of bank credit cards by 5, to 6, yuan. Now the bank certificate shows bad debts. I wonder what the bank will do and what measures it will take in the future. the bank's credit information shows bad debts, which means that the debts can't be returned after repeated collection. In the form of credit funds, they are classified as bad debts, which means dead, but these claims don't disappear. For you, there are two consequences:

1. The bank continues to collect the debts, but there are two ways to do it. One is to transfer them to the non-performing assets collection department to be collected by special personnel, and the other is to pack them and sell them to people in the society.

2. It will be very difficult for you to apply for loans and credit cards in various commercial banks in the future, including buying a car in mortgage to buy a house. In serious cases (if the amount is larger), flying and high-speed rail may be affected.