How many years will it take for your credit card to be fine if you don’t pay it back? It is natural to pay back debts. As long as the money you owe is not paid back, the debt will always exist. Not to mention that credit cards are bank products. The longer you owe, you will not be fine just by paying off the debt in the end. There are many consequences for people who owe credit cards. I couldn't imagine how serious it was. 1. Become a bad debt. If the credit card debt exceeds 180 days and is not repaid after repeated collections by the bank, the bank will treat the credit card as a bad debt if it believes that there is a possibility that the money cannot be recovered. At that time, the credit card record of the debtor will have a record of bad debts. Although it has become a bad debt, the penalty interest has been charged on a daily basis. The debtor must repay the principal with interest to settle the debt and repay the debt. If you don't contact the bank to modify your credit report, the credit report record of bad debts will probably remain. No matter how many years you have this record, you will not be able to handle any credit business. 2. Internal write-off. Many people owe credit cards for many years and have not repaid them. Later, they cannot find the credit card. It is very likely that the credit card has been written off internally by the bank. The bank's write-off is only a measure to deal with bad debts, but it does not mean that the debtor does not have to repay. Internal verification only fails to find credit card records, but the bank system will still have records, and some banks will continue to calculate compound interest after write-off, and the bank can pursue debtors at any time, and the debtors must repay. You can only go to the bank counter to pay it back. 3. The debtor owes a large amount to the credit card, which constitutes a crime of credit card fraud. When the bank cannot contact the debtor, the bank will go online to pursue the debtor. Once the debtor is found, in addition to paying off the credit card debt, he will also be held criminally liable based on the amount of the debt, which means that he may be jailed even if he pays off the debt. 4. Become a defaulter. If you fail to repay your credit card debt after being sued by the bank, although it does not constitute a crime of credit card fraud and will not be held criminally responsible, but you may become a defaulter if you fail to repay the loan after being enforced by the court. , all high-consumption behaviors are restricted, and you cannot handle any financial credit business. The bank cards under your name will be frozen, etc. The above is the relevant introduction to "if you don't pay back your credit card for a few years, it will be fine". I hope it will be helpful to everyone.