1. A large number of credit card penalty interest and late payment fees are generated. Generally, in the case of non-repayment of credit card due, the bank will charge penalty interest at the rate of .5 ‰ of daily interest and compound interest monthly; At the same time, according to the proportion of .5%-1% of the unpaid amount, the late payment fee will be charged, and the cardholder will bear high expenses for a long time, which is not worth the candle.

2. The overdue credit card will produce bad credit records, which will be included in the cardholder's personal credit information system and affect the approval of financial services such as loans in the future; Even with the improvement of the credit information system, it will affect future work, business, cooperation and other aspects.

3. If the overdue amount of the credit card is large or overdue for a long time, the bank will initiate the payment recovery from the cardholder; If not, the bank may report to the police and prosecute the cardholder for credit card fraud.