Hello! It is recommended that you repay the loan as soon as possible. First of all, overdue payment will generate a bad credit record, which will affect your personal credit and future credit business, such as loans; secondly, overdue repayment will generate interest and late fees; finally, failure to repay for a long time may violate criminal laws.
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(The following information is for reference) If you do not repay your credit card debt for a long time, you may violate criminal laws.
A malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank.
Criminal law provisions for malicious overdrafts: Article 196 of the "Criminal Law of the People's Republic of China" falls under any of the following circumstances. Whoever engages in credit card fraud activities and the amount is relatively large shall be sentenced to a fixed-term imprisonment of not more than five years. Imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence is not less than five years but not more than 10 years of fixed-term imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; Those who are particularly serious or have other particularly serious circumstances 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 have their property confiscated: (1) Using a forged credit card, or using a false identity Prove that the credit card was obtained fraudulently; (2) Use an expired credit card; (3) Pretend to use another person’s credit card; (4) Malicious overdraft.