An overdue credit card is a breach of contract, and the cardholder must bear the overdue liability.

Generally, overdue credit card repayments do not exceed 3 times. You can apply for a credit card but the limit is very small. You can also get a loan, but the interest rate is very high. However, if you overdue repayments more than 6 times or fail to repay once, it will be a problem. If you are included in the "blacklist", you will not be able to apply for credit cards and loans.

If the cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and fails to return the card for more than three months after being called upon twice by the issuing bank, it will be regarded as a "malicious overdraft" ". According to the criminal law, a malicious overdraft of more than 5,000 yuan on a credit card constitutes the crime of credit card fraud and may be sentenced to a fixed-term prison sentence of less than 3 years; a malicious overdraft of between 50,000 yuan and 200,000 yuan is considered a huge amount and may be sentenced to a fixed-term prison sentence of 5 to 10 years. Imprisonment; more than 200,000 yuan is considered a particularly huge amount, and the prison term is more than 10 years.