1. There will be a huge penalty interest, and the overdue amount of the credit card itself will generate penalty interest, and the overdue amount is a large amount for the credit card, and the overdue time is also relatively long.

2. It will have a serious adverse impact on personal credit information. Your credit card will be reported as long as it is overdue for one day, and it is bad behavior to be overdue for one year.

3. Will be sued by the bank, even blacklisted by the court, restricting high-consumption behavior, even high-speed rail, airplanes and other means of transportation can not ride.

Legal basis:

Article 196 of the Criminal Law of People's Republic of China (PRC) has one of the following circumstances, which constitutes the crime of credit card fraud and theft. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan, or if there are other serious circumstances, it shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or if there are other particularly serious circumstances, it shall be sentenced to fixed-term imprisonment of

(1) Using forged credit cards; (2) Using an invalid credit card; (3) fraudulently using another person's credit card; (4) malicious overdraft.