Legal analysis: you can buy five insurances and one gold, but it is recommended to return the credit card as soon as possible. The consequences are as follows: 1. Bank Credit Card Banking Center will charge late fees and interest: 1. The overdue fine is calculated according to 5% of the unpaid part of the minimum repayment amount, and the minimum charge is 10 yuan RMB or 1 USD. At the same time, the bank will charge five ten thousandths of the interest every day. Second, the impact on credit: 1, if it is overdue for less than one month, it is considered overdue once. As long as it is overdue once, even once, it is difficult to increase the limit; 2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future; 3. After a certain amount and time, the bank will freeze the credit card. Legal basis: Article 57 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the employing unit shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate. Where the social insurance registration items of the employing unit are changed or the employing unit is terminated according to law, it shall, within 30 days from the date of change or termination, go to the social insurance agency to handle the change or cancellation of social insurance registration. The market supervision and management department, the civil affairs department and the organization management organ shall promptly inform the social insurance agency of the establishment and termination of the employing unit, and the public security organ shall promptly inform the social insurance agency of the birth, death, household registration, migration and cancellation of the individual. Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number. Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 29 Where there is an agreement between the borrower and the lender on the overdue interest rate, such agreement shall prevail, but the annual interest rate shall not exceed 24%. (1) If there is no agreement on the overdue interest rate or no agreement on the overdue interest rate, the people's court shall support the lender to claim that the borrower shall pay the interest during the period of capital occupation at the annual interest rate of 6% from the date of overdue repayment; (2) If the interest rate during the loan period is agreed, but the overdue interest rate is not agreed, the people's court shall support the lender to claim that the borrower shall pay the interest during the capital occupation period according to the interest rate during the loan period from the date of overdue repayment. Article 30 The lender and the borrower have agreed on overdue interest rate, liquidated damages or other expenses. The lender may choose to claim overdue interest, liquidated damages or other expenses, or both, but the people's court will not support the part exceeding 24% of the annual interest rate.