1. Overdue credit cards will accrue interest, and overdue credit cards for more than one year will incur high interest and late fees. Generally, interest is calculated at 0.05% per day starting from the day of consumption. The longer the overdue period, the higher the interest, resulting in more and more money to be paid off.

2. Overdue credit cards will be recorded in personal credit reports, causing stains on personal credit. Personal credit reports have a great impact on cardholders, such as credit card applications, credit card limit increases, bank loans, etc. Sometimes recruiting units will also look at applicants' personal credit reports. Overdue records on personal credit reports will be kept for 5 years from the date of birth, and it is necessary to avoid overdue repayments as much as possible.

3. If the payment is overdue for a long time, the bank will pursue the credit card debt. If the bank fails to repay the debt after multiple demands, the bank will appeal to the cardholder and apply to freeze the cardholder's personal assets. If the amount owed is too large, he or she may even be imprisoned. Of course, you still have to repay the money you owe after you are released from prison.