If you don't pay it back, the bank will count you as overdue, and there will be a late fee (usually there is a lower limit for the bank's late fee. Take my CCB credit card as an example, the late fee is 5% of the minimum unpaid amount, at least 5 yuan). The amount may be higher than the principal, and the key will also affect the credit. The landlord must not lose too much because of small ~