1, credit card overdue for 8 days. The parties need to pay interest during the overdue period, which may lead to bad credit records. If the overdue period is too long, they may be sued by banks and other financial institutions for repayment.

2. Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC).

Under any of the following circumstances, it constitutes the crime of credit card fraud, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 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.

The term "malicious overdraft" as mentioned in the preceding paragraph 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.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

Second, how to deal with overdue credit cards?

Due credit card overdue processing method is as follows:

1. Pay off the arrears in time, take the initiative to explain the situation to the bank and keep the account normal;

Don't cancel the card just because it has expired. After overdue, we should continue to use credit cards normally, spend more, repay on time, and replace overdue records with new repayment records;

3. Don't lose contact after the deadline, and don't let the bank think that it is a malicious overdraft, otherwise it may be sued by the bank.