Recovery method: recovery and prosecution. Banks in loans overdue over 90 days will sue. If the bank brings a lawsuit to the court, the borrower shall actively perform the repayment obligation after the people's court makes a judgment. If it refuses to perform, the bank may apply to the court for enforcement, and the court will seal up and detain the borrower's property during this period. Once a personal bad credit record is generated, it will first affect the loan application.

If the credit card is overdue, you may encounter the following consequences:

1. If the repayment is not made in time, the personal credit record will be affected. This is the first thing. If it is overdue, it will be broken.

2. Once there is a bad record on personal credit information, it will affect all kinds of loan applications, credit card applications and even going abroad in the future. This is not a problem that affects the continued swiping;

3. If the arrears are not paid for a long time, there will not only be high late fees and interest;

4. The bank may also classify this part of the arrears as malicious overdraft, that is to say, malicious overdraft, and the bank will have the right to bring judicial proceedings against cardholders who fail to repay for a long time;

5. In practice, after handling a credit card, if it is overdue for more than three months or the bank reminds it twice or more, the bank will freeze the card and list it as a prohibited customer, and then the bank will sue the court.

Legal basis: Article 206 of the Civil Code of People's Republic of China (PRC).

The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 61 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 207

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.