1. Bank customer service collection

After the bank clerk finds that your credit card has not been repaid, the bank customer service will call to remind you to repay, which means to collect the repayment.

2. High interest and late payment fee

For the money that the cardholder fails to repay on the repayment date, the interest will be calculated from the repayment date, and the interest will be calculated in full, that is, the principal is the total amount owed in the current period, and the daily interest will be charged at five ten thousandths, and this cycle will be repeated. Plus the bank's late fee.

3. Blacklist

If the bank reminds that the overdraft will not be repaid for two months, the bank will be blacklisted for personal credit information, which will affect the mortgage, car loan and going abroad in the future.

4. Being sued

If the overdraft has not been paid back twice in three months, the bank will ask a lawyer to send a lawyer's letter to the user to sue the malicious overdraft credit card. If the amount is huge, it may constitute the crime of credit card fraud. In the definition of credit card fraud in criminal law, 1, RMB is a large amount, while 1, RMB is a huge amount.

Extended information:

Interpretation of the Supreme Court on Several Issues Concerning the Specific Application of Laws in Criminal Cases of Impairment of Credit Card Management

1. Article 8 A malicious overdraft with an amount of more than 5, yuan but less than 5, yuan shall be deemed as a "large amount" as stipulated in Article 196 of the Criminal Law, and an amount of more than 5, yuan but less than 5 million yuan shall be deemed as a "large amount" as stipulated in Article 196 of the Criminal Law.

2. Article 9 The amount of malicious overdraft refers to the actual overdraft principal amount that has not been returned by the public security organ at the time of filing a criminal case, excluding interest, compound interest, late fees, handling fees and other fees charged by the issuing bank. The amount returned or paid shall be deemed as the return of the actual overdraft principal.

3. Article 1 If the amount of malicious overdraft is relatively large, and it is completely returned before public prosecution is initiated, or there are other minor circumstances, prosecution may not be initiated; If they are all returned before the judgment of first instance or have other minor circumstances, they may be exempted from criminal punishment. However, those who have been punished for credit card fraud for more than two times are excluded.

4. Article 11 If the card-issuing bank illegally issues loans in disguised form in the form of credit card overdraft, and the cardholder fails to return them as required, the penalty

5. The provisions of Article 196 on' malicious overdraft' shall not apply. Those who constitute other crimes shall be punished as other crimes.