The consequences include incurring high penalty interest and late fees, affecting personal credit, and being charged by the bank for collection and prosecution.

1. Incurring high penalty interest and late payment fees: After users use credit cards to overdraft, they generally have an interest-free repayment period ranging from more than 20 days to more than 50 days. If the repayment is not made within the interest-free period, interest of 0.5% per day will be calculated from the day of consumption, and compound interest will be calculated on a monthly basis.

2. Impact on personal credit: Overdue credit card repayments will be recorded in bad credit records, which will have a negative impact on the basic database of personal credit information. When applying for financial products such as loans and credit cards in the future, you may be rejected due to bad records.

3. Collection and prosecution by the bank: After repeated collections without success, the bank may take legal measures to recover the arrears through litigation. If the case fails, the user will not only have to pay overdue interest and late fees, but may also face measures such as enforcement or property auction.