1. It will increase interest;

2. It will affect the personal credit system. The personal credit system is now very important to Chinese citizens and will affect future loans and other bank credit cards. and so on;

3. The bank will first remind you by text message and phone call, and then send people to collect the money twice, and will sue after three months;

5. According to the criminal law, malicious overdraft of credit card 5,000 If the amount exceeds RMB 50,000, it constitutes a crime of credit card fraud and may be sentenced to a fixed-term imprisonment of less than 3 years; a malicious overdraft of 50,000 yuan to 200,000 yuan is considered a huge amount and may be sentenced to 5 to 10 years in prison; an amount of more than 200,000 yuan is considered an amount. It is particularly serious, with a prison term of more than 10 years.

"Malicious overdraft" refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the payment for more than three months after two calls for collection. This is a malicious overdraft. Credit card fraud crimes.

It is recommended to pay it back as soon as possible, otherwise not only will you suffer financial losses, but you will also be held criminally responsible.