1. Credit record damage: overdraft and long-term non-repayment will seriously affect the credit record and may reduce the personal credit score.

2. lawyer's letter and collection notice: the bank may entrust a law firm to issue a collection letter or statutory notice to ask the debtor to repay the debt.

3. Being blacklisted for breach of trust: Failure to repay within the time limit may lead to uploading personal information to the list of people who have been executed for breach of trust, which will bring difficulties to lending, renting and other financial transactions.

conclusion: overdraft credit card and long-term non-repayment may cause serious damage to personal credit record, may be recovered by legal collection action, and may be included in the blacklist of dishonesty.

Extended information: According to the laws of China, banks generally have the right to recover overdue debts from borrowers. Specifically, banks can recover debts by issuing collection letters, entrusting third-party collection agencies, and filing lawsuits. At the same time, China also has a personal credit information management system. Failure to repay the loan within the time limit may cause personal credit records to be damaged and be included in the list of people who have lost their trust, thus affecting lending and other financial transactions. It is important to contact the bank in time and actively solve the problem of overdue repayment in order to minimize credit risk and adverse consequences.