If you are unable to repay credit cards and online loans totaling approximately 100,000 yuan, you may face the following consequences:

1. Overdue penalty interest and late fees: Failure to repay overdue payments may This will cause banks or lending institutions to charge high overdue penalties and late fees, increasing your burden.

2. Negative credit record: Late repayments will be recorded in your personal credit report and affect your credit score. This could adversely affect future loans, credit card applications, home or vehicle loans, etc.

3. Collection actions: Creditors may use various means to collect debts, such as phone calls, letters, door-to-door collections, etc. They have the right to appoint a professional collection agency to collect debts.

4. Litigation and legal proceedings: In some cases, creditors can pursue debts through legal proceedings. This may result in a court ordering you to repay the debt and taking enforcement measures against you in accordance with relevant legal provisions.

5. Asset seizure and auction: If a creditor obtains an execution order through legal proceedings, they may seize and auction your property to satisfy the debt.

Summary:

Failure to repay credit card and online loans can result in late fees, damage to your credit history, collection actions, legal proceedings, and property auctions. If you encounter repayment difficulties, it is recommended to communicate with your creditors early and try to seek professional financial advice to develop a reasonable debt repayment plan.

Related

Extended information:

China's legal provisions on credit cards and lending mainly include the "Contract Law of the People's Republic of China", "Consumer Rights Protection Law" etc. In addition, the People's Bank of China has also issued relevant regulatory regulations and guidance to regulate the credit card and lending markets.