It will have an impact on applying for a credit card in the future;

It has an impact on the loan amount for buying a house and buying a car in the future;

It has an impact on the interest of repaying loans in the future;

It will affect the normal use of credit cards and may be frozen and deactivated;

If it is overdue, it will be blacklisted by the bank and become a black account, and you can't apply for a loan directly in the future;

If you don't pay back the money you owe, you are likely to be sued by the bank.