1. Consumers no longer enjoy interest-free repayment of their money. The issuing bank shall calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of 0.5 ‰ and compound interest on a monthly basis; For the unpaid part of the minimum repayment amount, a late fee of 5% will be charged every month.

2. Receive a dunning call or letter from the issuing bank.

3. The credit card account is frozen by the issuing bank, and the debt record may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record and cause the cardholder to fail to apply for a loan normally.

Legal Basis: Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Bad Faith Article 1 If the executed person fails to fulfill the obligations specified in the effective legal documents and has any of the following circumstances, the people's court shall include him in the list of executed persons with bad faith and punish him with credit according to law:

1, refusing to perform the obligations specified in the effective legal documents when it has the ability to perform;

2. Obstructing or resisting execution by forging evidence, violence or threats;

3. Evading execution by false litigation, false arbitration or concealing or transferring property;

4. Violating the property reporting system;

5. Violating the consumption restriction order;

6. Refusing to perform the settlement agreement without justifiable reasons.