An overdue credit card will have the following consequences:

1. First of all, overdue repayment will lead to high overdue repayment fees on the credit card, which also requires repayment. Then there will be overdue interest. Overdue credit card repayment records will enter the central bank's credit reporting system and generate bad credit records, which will affect normal consumption, travel, and employment. If it constitutes a crime of credit card fraud, you must bear corresponding legal liability. In serious cases, you may be imprisoned.

2. Incurring overdue interest, liquidated damages and other fees: Overdue credit card interest will be calculated from the day the card is swiped, usually a daily interest of 0.05%, with compound interest calculated monthly; liquidated damages are generally the minimum repayment amount 5% of the unpaid portion;

3. Producing bad credit records: After overdue, bad records will be produced on personal credit reports, which will affect future loan applications;

4. Possible Facing criminal liability: If you are overdue for a long time and the overdue amount is large, you may receive a payment reminder from the bank; if you still do not repay the debt after the bank reminds you, you may face criminal liability.

The impact of overdue credit cards on bank cards:

1. Whether the bank card will be frozen if the credit card is overdue depends on the specific circumstances of the overdue date. If the overdue date is not serious, the bank will not freeze it. For other bank cards in the name of the cardholder, we only need to pay off the overdue debt in time;

2. However, if the credit card is overdue and is serious, the bank will not proceed after repeated collections. If you repay the loan, the bank may take the cardholder to court. If you still refuse to repay after the court trial, the bank card and assets in the cardholder's name will be frozen until the cardholder pays off the debt. until.

To sum up, the worst result is that you will be jailed if your credit card is not paid. It needs to be judged based on the overdue time, overdue amount, and whether the overdue payment is malicious.

Legal basis:

Article 196 of the Criminal Law of the People's Republic of China

Under any of the following circumstances, credit card fraud is committed If the amount is huge or there are other serious circumstances, the sentence is to be not less than five years but not more than 10 years of fixed-term imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; 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 other people’s credit cards;

(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.