1. If the amount you owe on a credit card abroad is relatively large and you do not repay it, you will be sanctioned by the law and you will never have the chance to get a loan again in your life!

2. If you repay later, there is still a time limit based on the credit card debt. As long as any bank in China, whether international or domestic, has such a bad record with you, it is guaranteed that no bank in China will be able to refinance the loan within 5 years after you repay the loan.

1. Failure to repay credit card debt:

1. If you fail to repay credit card debt and return to China, the bank may sue and report the case;

2. Only when the amount owed reaches more than RMB 10,000 and is still not returned for more than 3 months after being called upon twice by the card-issuing bank, will it be considered a "malicious overdraft" under the criminal law and suspected of credit card fraud

3. Overdue repayment will be recorded in the personal credit report. However, negative information such as overdue repayment will not be recorded in the personal credit report forever. my country's current credit record retention period is five years. After paying off the balance, anyone can start building their credit history all over again.

4. If the amount of malicious overdraft is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law

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Legal basis: "Criminal Law" Article 196 The crime of credit card fraud or theft falls under any of the following circumstances. Whoever commits credit card fraud activities and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be sentenced to two years' imprisonment. A fine of not less than 10,000 yuan but not more than 200,000 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 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated:

(1) Using a counterfeit credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.