That is overdue repayment. The short-term consequences are two-fold. First, late payment fees and interest will be incurred. Second, the bank will report your overdue repayment record to the People's Bank of China, and you will have bad credit. Record. Since your debt is calculated with monthly compound interest, the consequences of long-term non-payment will be high interest and late fees, and there may be situations such as credit card stoppages that seriously damage your credit record. If your debt exceeds 10,000 yuan, after many If you fail to pay the bill, you may face criminal charges for credit card fraud. Therefore, you must cherish your credit. If you are short of money, you must at least repay the minimum repayment amount. In this way, although interest will be charged, it does not count as overdue repayment.

I hope my answer can help you.