1. Credit cards must be repaid every month. When the cardholder can't repay in full, he can choose the lowest repayment.

2. If it is postponed until next month, the credit card will expire, and the bank will freeze your card and list you as a prohibited customer (blacklist). At the same time, you will be sued for credit card fraud and malicious overdraft, which will be enforced by the court.

3. After being blacklisted, it will take at least 5 years to consume.

4. The late payment fee is generally 5% of the total monthly consumption of consumers, with a penalty interest of 0.05% per day and compound interest (interest rolling) on a monthly basis.

If a person refuses to repay the loan after prosecution, and the amount owed exceeds 1 000, the court will punish him according to Article 1 96 of the Criminal Law: Article 1 96 of the Criminal Law stipulates that in any of the following circumstances, if the amount of credit card fraud is large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined more than 20,000 yuan. If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Malicious overdraft is the main risk form in credit card business and a part of credit card fraud.