The consequences of not paying back after credit card overdraft are as follows:

1. Interest payment will increase, resulting in high overdue interest.

2. You will be sued by the bank, which will cause economic losses such as litigation costs and lawyer fees.

3. It will affect your personal credit information system in the People's Bank of China. The personal credit information system is very important to China citizens now, and it will affect your future loans and handling other bank credit cards.

4. The bank will have a special person to collect the money

5. If the amount owed is more than 1, yuan, it constitutes a crime of credit card fraud and will be investigated for criminal responsibility.

In addition, Article 196 of the Criminal Law commits the crime of credit card fraud under any of the following circumstances. If the amount of credit card fraud is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan or confiscated property.

Therefore, the credit card overdraft must be repaid in time.