If the credit card (debit card) 1.5 million years is not returned, it will have the following serious consequences: there are overdue records with overdue time of 3 years in the credit investigation, which will directly form a credit investigation stain; Overdue for 3 years will generate a lot of overdue interest; During the overdue period, users will encounter bank collection; Users will not be able to handle the credit loan business of any bank or other financial institution in the future.

Although the bank has not sued the user for three years overdue, the negative impact of overdue is still great, and the user had better negotiate repayment with the bank operation.