Hello, I am working on a similar case now. According to your current situation, you haven't been blacklisted yet, as long as you pay back in time after collection. There will be no legal impact. Will not affect your life. Including refinancing, of course. If you don't return it in time, you will have to go to the police to report it if you can get 5000 yuan, and you will be criminally responsible for credit card fraud. If it is not enough, we must go through civil litigation. I hope I can help you! Return it as soon as possible! I have too many such cases here!