If the credit card is not returned, we must find a way to return it quickly. Negative information such as overdue repayment of credit cards will be recorded in personal credit report. However, negative information such as overdue repayment is not always recorded in personal credit report. At present, the retention period of credit records in China is five years. After paying off the credit card debt, anyone can start building a credit record again.

If the principal in arrears reaches 1 10,000 yuan or more, and it is not returned for more than 3 months after being collected twice by the issuing bank, it will be considered as "malicious overdraft" in the criminal law, and it is suspected of credit card fraud, and it will be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention according to law, and a fine of not less than 20,000 yuan but not more than 200,000 yuan.

How to avoid overdue credit cards;

1, it is more reassuring to bind automatic repayment. Card friends can bind credit card issuers' debit cards through counters, online banking and mobile phone software. (Why do you want to bind this bank, because banks generally charge for inter-bank transfer), and set it about 3 days before the due repayment date (3 days in advance to avoid not being able to arrive in time) to automatically repay.

2. It is more reassuring to manage credit cards with APP. For example, the Wealth Points Life application can help import bills and manage multiple credit cards.

It should be noted that there should be enough balance in the debit card. In addition, if there is a demand behavior during the account period, the cardholder should remember to pay more in addition to automatic repayment.

It's really too late to pay it back, don't worry. All banks basically have credit card "time-sensitive" service. Generally, the repayment is delayed for three natural days, or the repayment amount is less than 10 yuan, and the bank still provides interest-free service.