2. If you have malicious overdraft and other situations that meet the crime of credit card fraud, the bank will call the police. After the police file a case, you will be investigated for criminal responsibility.

If the minimum repayment amount of the bill is not paid in time before the due repayment date, late fees and interest will be charged, and personal credit will be affected. A late fee of 5% will be charged for the unpaid part of the minimum repayment amount.

As for the bad record, it will take five years to eliminate it, but this situation is not serious, because it is not malicious and generally will not affect your other loans. Don't worry, as long as the bank makes money, it won't deliberately embarrass you for a little thing.

Good luck! Please accept the answer and support me. If you have any questions, please ask. Thank you for your support O(∩_∩)O~