Legal Subjectivity:

If the credit card overdraft is not paid, interest and liquidated damages will accrue; and when the credit card is overdue, the bank will upload the overdue record to the central bank’s credit reporting system, which will affect card holders. The person's credit; he may also be sued by the bank. If he has the ability to execute the court judgment and refuses to execute it, he may be included in the list of dishonest persons subject to execution and his consumption will be restricted. Legal objectivity:

Article 675 of the Civil Code states that the borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time.