1. Late payment fee: If the cardholder fails to pay the management fee on time, HSBC will charge a late payment fee. The amount of late payment depends on unpaid management fees and overdue time.
2. Impact on credit record: If the cardholder fails to pay the management fee on time, HSBC will record it in the credit report, which will have a negative impact on the cardholder's credit record.
3. Freeze or cancel the card: If the cardholder fails to pay the management fee for a long time, HSBC will freeze or cancel the card, thus affecting the cardholder's credit card use.