Non-payment after a credit card overdraft is a breach of contract. The bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, over-limit fees, etc. If the bank sues in court and wins the case, the bank can maintain the The cardholder also has to bear the costs of litigation. Secondly, if the cardholder maliciously overdrafts to a certain amount for the purpose of illegal possession and fails to repay the amount overdue, this constitutes a crime of credit card fraud and he will also bear criminal liability. Finally, late payment will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loans and other activities.

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