Legal analysis: the bank sued the bank for overdue credit card and then returned it, which belongs to the blacklist of dishonesty. Credit card overdue repayment will face consequences. 1, credit card late fee. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank according to the regulations when the repayment date is not due or the repayment amount is lower than the minimum repayment amount. 2. Overdue interest. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%. 3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records. China's personal credit information records have been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank. 4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder. 5. Criminal responsibility for malicious overdraft.

Legal Basis: Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Bad Faith Article 1 If the executed person fails to fulfill the obligations specified in the effective legal documents and has any of the following circumstances, the people's court shall include him in the list of executed persons with bad faith and punish him with credit according to law:

1, refusing to perform the obligations specified in the effective legal documents when it has the ability to perform;

2. Obstructing or resisting execution by forging evidence, violence or threats;

3. Evading execution by false litigation, false arbitration or concealing or transferring property;

4. Violating the property reporting system;

5. Violating the consumption restriction order;

6. Refusing to perform the settlement agreement without justifiable reasons.

Article 3 of the Regulations of the Supreme People's Court Municipality on Restricting the High Consumption and Related Consumption of the Executed Person states that if the executed person is a natural person, he shall not commit the following high consumption and unnecessary consumption behaviors after taking the consumption restriction measures: (1) When taking the means of transportation, choose the second-class or above cabins of airplanes, trains and ships; (two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level; (three) the purchase of real estate or new construction, expansion, high-grade decoration of housing; (four) leasing high-grade office buildings, hotels, apartments and other places to work; (5) Purchasing non-essential vehicles; (6) tourism and vacation; (seven) children attending private schools with high fees; (8) Paying high premiums to purchase insurance wealth management products; (9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.