The worst result is that you will be jailed if your credit card is not paid. It needs to be judged based on the overdue time, overdue amount, and whether the overdue payment is malicious.

1. For example, if a credit card is overdue for more than 3 months, receives two valid collections from the bank and fails to repay it, and maliciously overdrafts when unable to repay, the principal may be deducted if the principal reaches 50,000 yuan. Credit card fraud was prosecuted, and the court ruled that the cardholder may be jailed and fined, and even jail time cannot offset the debt.

2. As long as your credit card is overdue for more than three months, your credit report will be reported. During these three months, if you have been overdue for 6 or more times in total, you will be blacklisted by the bank and will not be able to get a bank loan or apply for a credit card again for five years.

3. There is another thing that has more serious consequences than overdue payment, which is overdue repayment for three consecutive months. The person will be regarded as a malicious debtor. This consequence is more serious than overdue payment, and he may even be punished. Litigation, so it must not be overdue for three consecutive months.

4. Generally, if a credit card is overdue for 30 days, the bank will send a text message to collect the debt. After 30 days, it will change to a phone call to collect the debt. If the debt exceeds 10,000 yuan and is overdue for three months, the bank will send a text message to collect the debt. If you can repay the debt, you can only wait for notification from the court.

5. So when we find that our credit card has been overdue, the first thing to do is to pay off the debt and penalty interest, and at the same time maintain a good consumption habit to ensure that your consumption will not be overdue again. situation. And because we were three months overdue and had a credit report, we should keep a good credit card usage record for more than two years. In this case, the bad records will be covered. After five years of good credit card use, our overdue credit card will be Bad records will also be cleared.

Overdue credit cards usually have the following consequences:

1. Qijiba will incur overdue interest, liquidated damages and other fees: Overdue credit cards will calculate interest from the day the card is swiped, usually 10,000 points Five daily interest, compound interest calculated on a monthly basis; liquidated damages are generally 5% of the unpaid portion of the minimum repayment amount.

2. Bad credit records: After overdue, bad records will appear on personal credit reports, which will affect future loan applications.

3. You may face criminal liability: If you are overdue for a long time and the overdue amount is large, you may receive a payment reminder from the bank; if you still do not repay the debt after the bank reminds you, you may face criminal liability. Criminal liability.

In general, the impact of overdue credit cards is still relatively large. It is recommended that you make sure to repay on time.