1. Late fees and penalty interest: Banks usually charge late fees and penalty interest for overdue repayment. These expenses will accumulate day by day, increasing your repayment burden.

2. Credit record is damaged: overdue repayment will have a negative impact on your credit record, which may lead to a decline in credit score. The decline of credit score may affect future financial activities such as loans and credit card applications.

3. collection action: the bank may take collection measures, such as telephone collection, overdue notification letter or entrusting a professional collection agency to recover the arrears. This may have a negative impact on your personal image and credit.

4. Legal proceedings: In extreme cases, if the amount owed is large and the bank decides to take legal measures, they may file a lawsuit to recover the debt. This may lead to further legal disputes and economic losses.