Legal analysis: The regulations of China Banking Regulatory Commission on annual credit card fees regulate the credit card business of commercial banks, protect the legitimate rights and interests of customers and banks, and promote the healthy and orderly development of credit card business. If you don't repay in time, you will have a bad credit record, and you will bring yourself some unnecessary troubles. Using a credit card is overdraft consumption, which may lead to blind over-consumption, so that the credit card can't be repaid if it is overdrawn, which will eventually affect the credit.

legal basis: article 7 of the law of the people's Republic of China on commercial banks. when conducting credit business, commercial banks should strictly examine the credit standing of borrowers, implement guarantees and ensure the timely recovery of loans. Commercial banks recover the principal and interest of loans due from borrowers according to law, which is protected by law.