It is recommended that you communicate with him in time or repay the loan on time yourself.

Overdue credit cards have the following consequences:

Non-payment will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loans and other activities. ;

If the cardholder maliciously overdrafts a certain amount for the purpose of illegal possession and fails to repay the payment overdue, it constitutes a crime of credit card fraud and he will also bear criminal liability;

After a credit card overdraft Overdue repayment is a breach of contract, and the bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, over-limit fees, etc.; if the bank sues in court and wins, the cardholder will also bear litigation costs;

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

Article 206 of the Contract Law of the People's Republic of China and the People's Republic of China The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined in accordance with the provisions of Article 61 of this Law, the borrower may return the loan at any time; the lender may urge the borrower to return the loan within a reasonable period of time.

Article 207 If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant national regulations.

Article 208 If the borrower repays the loan in advance, interest shall be calculated based on the actual loan period, unless otherwise agreed by the parties.

Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and A fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other serious circumstances If the circumstances are particularly serious, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated:

(1) Using a counterfeit credit card;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

A lot of overdue credit cards will have a serious impact on my credit report. If the credit card is overdue maliciously, you will be held criminally responsible. It is recommended to pay back in time.