Consequence of malicious overdraft of credit card: 1, bad credit record; 2. Interest: the daily interest is calculated at 0.05%, and the interest is calculated from the consumption bookkeeping date; 3. Late payment fee: 5% of the unpaid part of the minimum repayment amount will be used as late payment fee, which will be collected monthly; 4. The bank will sue; 5. No credit business shall be conducted in this bank within 5 years from the date of paying off debts.
Legal basis: Article 1064 of the Civil Law of People's Republic of China (PRC) (hereinafter referred to as the Civil Law), the debts jointly signed by the husband and wife or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship belong to the joint debts of the husband and wife. Debts incurred by one spouse in his or her own name during the marriage relationship that exceed the daily needs of the family are not joint debts of the husband and wife, except that the creditor can prove that the debts are used for the common life, joint production and operation of the husband and wife or based on the common wishes of both spouses. Article 1089 Upon divorce, the joint debts of husband and wife shall be paid off jointly. If the joint property is insufficient to pay off or the property belongs to each other, and the agreement between the two parties cannot be resolved, the people's court shall make a judgment.