Credit card is a non-cash transaction payment method and a simple credit service. Banks or credit card companies will issue them to cardholders according to their credit and financial resources. Cardholders do not need to pay cash when using credit cards, and will make repayment on the settlement date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.

The medical insurance card is undertaken by the local designated agent bank, which is a multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.

Credit card overdue will face the following consequences:

1. It is a breach of contract not to repay after the credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee, etc. If the bank sues the court and wins, the cardholder will also bear the litigation costs.

2. If the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, which constitutes the crime of credit card fraud, he shall also bear criminal responsibility.

3. Overdue repayment will leave a bad credit record for the cardholder and affect the smooth progress of the cardholder's future loan.