1. Credit rating decline: Unpaid credit card arrears will lead to personal credit rating decline. Credit rating is used to measure a person's credit status. If the repayment time is overdue, the credit rating will be affected to a greater extent.

2. collection action: banks or credit card companies usually take collection measures to recover overdue payments. They may contact the debtor by telephone, mail or letter, asking him to repay the debt as soon as possible.

3. high interest and late fees: overdue repayment usually leads to the accumulation of high interest and late fees. These expenses will continue to increase the original amount owed, making the debt even heavier.

4. legal proceedings: if the debtor continues to refuse to repay the arrears, the credit card company may take legal action and bring a lawsuit to the court. In litigation, the debtor may face severe consequences such as further fines, asset freezing or wage deduction.

Summary:

Credit card arrears of more than 9 days will lead to credit rating degradation, trigger collection actions, and generate high interest and late fees. In serious cases, you may face legal proceedings.

Extended information:

Credit card is a convenient payment tool, but overdue repayment will have a negative impact on personal credit status and economic status. Therefore, when using credit cards, you must repay the arrears on time to avoid unnecessary consequences. If you encounter repayment difficulties, it is recommended to contact the credit card company in time to seek a proper solution.