In case of overdue payment, there are not only 5% overdue fine (minimum 10 yuan), but also full penalty interest (5/10000 per day, interest will start to accrue on the day of consumption, and interest will be recovered monthly until the principal and interest are paid off), and a bad credit record will be generated in the Credit Information Center of the People's Bank of China, which will affect the application for credit cards and bank loans within two years.

If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist). At the same time, it may be sued for credit card fraud and malicious overdraft, which will be enforced by the court. If a person refuses to repay the loan after prosecution, and the amount owed exceeds 1 000, the court will punish him for the crime of credit card fraud according to Article 1 96 of the Criminal Law.

If you don't pay back the money maliciously, you'll be waiting for a lawsuit. I suggest you pay it back as much as possible, or you will be in big trouble.