overdue payment not only includes 5% of the minimum unpaid amount, full penalty interest on the bill (the daily interest rate is .5%, interest will start on the day of consumption, and the interest will be recovered on a monthly basis until the principal and interest are paid off), but also will generate bad credit records in the Credit Information Center of the People's Bank of China, and it will be difficult to apply for credit cards and bank loans in five years;

if the payment is overdue for more than three months or the bank has made more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court. If you refuse to pay back after prosecution and the amount owed exceeds 1,, the court will sentence you according to the crime of credit card fraud in Article 196 of the Criminal Law!