Legal analysis: 1, the credit record becomes worse, which leads to low credit evaluation and will become a credit stain. Bad credit information will be uploaded to the personal credit information system of the People's Bank of China, which will be tainted in various systems throughout the country, and it will be impossible to apply for a credit card or a loan in the future.

If the amount is huge, the bank will sue for repayment, if not, the court will force repayment.

If you pay by credit card in installments, the bank will charge a late fee, so more and more money needs to be paid back.

If it reaches a certain limit, notify the card owner. If you still owe money, you will inform your family and friends, and then call the police to sue.

Legal basis: Article 67 1 of the Civil Code of People's Republic of China (PRC). If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.