If you don't pay back the money owed by your credit card, the bank will call you to pay it back first. If you don't pay it back, you will be sued by the bank. After applying for enforcement, your house and car will be auctioned.

If the credit card is overdue, according to the provisions of the self-discipline convention of the bank card industry, the repayment will be overdue for up to 3 days, and if the repayment difference is less than 10 yuan will not charge penalty interest. Otherwise, it is considered overdue.