Hello! If it is a China Merchants Bank credit card, if you have any consumption, please repay it on time and in full. First of all, overdue payment will generate a bad credit record, which will affect your personal credit and future credit business, such as loans. Secondly, overdue repayment will generate interest and late fees. Finally, failure to repay for a long time may violate criminal laws. (The following information is for reference) If you do not repay your credit card debt for a long time, you may violate criminal laws. Malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank. The criminal law for malicious overdrafts stipulates: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever commits credit card fraud in any of the following circumstances 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 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, the person 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 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. If you still have questions, we recommend that you use the credit card intelligent service platform to solve credit card problems anytime and anywhere. Click here to view details>/Common/Default.aspx?pageid=zxkf1