1. If you are in arrears with your credit card for a long time, an overdue record will be formed in your credit report. It will be very difficult to borrow money to buy a house, a car or do business in the future. Strive to pay off debts as soon as possible;

2. If the bank has filed a lawsuit, the public security organ may put you on the Lao Lai list, and the high consumption and entry and exit after being listed on the Lao Lai list will be restricted;

3. There is no problem for you to apply for Hong Kong and Macao Pass and Hong Kong endorsement, but in the second case, you will be stopped when you leave the country;

4. If the bank doesn't go to court, you have completed the Hong Kong and Macao Pass and the Hong Kong endorsement, and the Hong Kong Customs won't stop it, so you can rest assured to enter Hong Kong to play;

Finally, remind me to repay the loan as soon as possible, and it will be too late for you to regret it.