Consequences of overdue bank credit cards: 1. If the repayment is overdue for many times, the bank will think that it has no repayment ability and freeze the credit card. At this time, you need to pay in full, call customer service and ask for thawing. In this way, the amount may be reduced, but if there are not many overdue times, the general customer service will unfreeze. 2. Overdue repayment will affect users' personal credit problems, which will seriously affect future credit card applications and loans (car loans and mortgages). If the cardholder only happens to be overdue occasionally, it will generally not have a great impact if he repays in full and on time afterwards. If the applicant's credit is seriously overdue, then he will definitely apply for personal credit. According to bank regulations, if the borrower has bad credit records for three or more times in two years, he will not be able to apply for a loan.

Legal objectivity:

Article 196th 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. If the amount is relatively large, he 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; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.