Consequences of overdue credit card: 1. First of all, if the credit card is overdue, there will be a late fee of 5% of the minimum repayment amount, and the bill will be fined in full. The average bank will calculate at 0.05% per day, and the interest will be compounded monthly. 2. Overdue records will be included in the central bank's credit information system, and overdue records will be included in the personal credit information report. Bad records will be kept for 5 years, and the overdue amount is large. If the overdue amount exceeds 3 months in a row, it will seriously affect future mortgage, car loan and credit card applications, and the future credit life will also be seriously affected. 3. If the credit card is not returned within the time limit, the bank will collect it. If it is not returned for more than two times, it will be directly handed over to the collection company. If you still insist on not returning the credit card, the bank will freeze the credit card and blacklist the cardholder. The bank will automatically cancel the card until the debt is paid off. 4. If the overdue amount is large, the bank will directly sue the cardholder for credit card fraud and malicious overdraft, which will be enforced by the court. Refusing to repay after prosecution will bear civil or formal responsibility. According to Article 196 of the Criminal Law of People's Republic of China (PRC) and relevant judicial interpretations, if the amount of credit card holders is more than 5,000 yuan for the purpose of illegal possession, it constitutes the crime of credit card fraud and will be executed in accordance with the criminal law.