Failure to pay back the money in time may lead to prosecution. If the judgment takes effect, it will be enforced after the deadline, and the property will be sealed up, frozen, transferred or changed in price, and will be included in the list of untrustworthy. If the circumstances are serious, they will be detained or constitute a crime.

If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records. In today's credit society, don't underestimate the credit card stain, which will lead to a lot of banking business that you can't handle, and car loans, mortgages and commercial loans can't get through, so develop good credit card habits, understand the solutions to overdue credit cards, and be prepared!