Have the following effects on individuals.

1. No longer enjoy interest-free repayment.

2. Affect personal credit records

3. Serious overdue and huge amount will also constitute a crime due to "malicious overdraft".

4. If it is overdue for more than three months or the bank urges you for more than two times, the bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court.

Occasionally, the impact of overdue credit cards on individuals is not too serious, as long as they are repaid in time. No more than four overdue times in a year, which is not too big for personal influence. If it is overdue for three or even seven months in a row, no bank loan or credit loan can be made within five years.