When the 50,000 yuan convenience card expires, you still have 20,000 yuan that you have not paid back. You can first find friends and relatives to make up the 20,000 yuan. If you do not pay back the 20,000 yuan, it will definitely be overdue. If it is overdue, interest will be added. If the other party has a tough attitude, you must find a way to make up for the 20,000 yuan, otherwise it will blackmail you in terms of integrity, which will affect your future loans, buying a house, taking high-speed rail, and flying.

You can also consider negotiating with the bank for an extension, but banks generally will not agree, and they may be sued and enforced after a judgment. If there are more than 50,000 overdue reminders twice and the debt is not repaid, it may even be transferred to the police for prosecution for credit card fraud. Convenience cards are a type of credit card. Usually, the difference between convenience credit cards and ordinary credit cards is that in addition to the functions of ordinary credit cards, convenience cards can also enjoy convenient services, while ordinary credit cards cannot.

Legal Basis

Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Under any of the following circumstances, if the amount is relatively large and credit card fraud is carried out, the person shall be punished. Whoever commits a crime shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 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 shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. The following fines shall be imposed; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired 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. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law. Article 264 Whoever steals public or private property in relatively large amounts, or who commits multiple thefts, burglaries, thefts with weapons, or pickpockets shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, or surveillance, and shall also or solely be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined or his property shall be confiscated. .