1. What will happen if the credit card loan is not repaid for a long time

1. There will be overdue liquidated damages and interest.

2. Overdue repayment records will enter the central bank's credit information system to generate bad credit records. China's personal credit information records have been networked nationwide. As long as individual residents have handled lending business in banks, applied for credit cards, or provided guarantees for others, they can find credit reports in any domestic commercial bank.

3. Criminal responsibility for malicious overdraft. According to the regulations, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Those who commit credit card fraud with malicious overdraft will be investigated for criminal responsibility for credit card fraud, sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 2, yuan but not more than 2, yuan.

2. What are the solutions to overdue credit cards

1. As a credit card holder, once he is unable to repay on time due to unemployment, illness or other accidents, before the final repayment period comes, the cardholder had better take the initiative to call the bank credit card center to state his financial situation, declare that he is not maliciously in arrears, and apply for delayed repayment and interest concessions.

2. In view of the cardholder's active performance and previous good credit record, the bank will often agree to postpone the repayment, and negotiate with the cardholder a mutually acceptable repayment plan, delay period, interest discount, monthly repayment amount, etc. In this way, if you contact the bank actively and the bank agrees to postpone the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.

3. If you usually neglect to repay, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that it is not malicious. If it has been recorded well in the past and the overdue time is short, it may not be recorded as a bad record if it is found that the repayment is good after the overdue. Don't be careless in the future, be sure to pay attention to the bank's bill notice and collection information to avoid overdue.

4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you use a card to terminate, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years and maintain a good credit during the period, so that the bad records can be removed from the credit information system by rolling records.

both credit cards and online loans need to be returned within the specified time limit after use, otherwise it will cause serious consequences. those who fail to return them for a long time will incur overdue fees, and may also be sued. however, if the credit card cannot be returned, you can contact the bank in time and negotiate to postpone the repayment.