Will there be late fees and interest after credit cards become bad debts? In fact, if you don't use a credit card, you won't have these expenses. However, if the money you used to spend with your credit card is not returned, these expenses will be incurred. And the bank's late fees and interest are high. So you must pay off the money after using the credit card. If your credit card doesn't owe money, but you don't use it all the time, there won't be any charge. As long as you spend the money on your credit card, there will be such a charge But also affect the credit of your own credit information system.