The cardholder will be held responsible for overdue credit cards.

After the credit card is overdue, it will be reported to the central bank’s personal credit reporting system. This overdue record will exist for 5 years. The bank will also pursue recovery through phone calls or door-to-door visits, and may even eventually sue the cardholder.

So, it is best not to overdue your credit card, and use your credit card rationally to avoid adverse personal effects after overdue payment.