Hello! I suggest you repay the loan as soon as possible. You can repay according to the minimum repayment amount shown in the bill without affecting your personal credit. Repayment according to the minimum amount of the bill before the due repayment date will not cause late fees and will not affect your personal credit. At the same time, the repayment of the minimum repayment amount will generate cyclic interest. All consumption in the current period will start to bear interest from the bookkeeping date (usually the day after consumption), and the daily interest rate will be five ten thousandths until you pay it off in full. Minimum repayment amount = 10% cash advance (mobile phone Baidu "Baidu cash loan", looking for the best loan method) principal+10% non-cash advance (mobile phone Baidu "Baidu cash loan", looking for the best loan method) transaction principal+100% handling fee +65438. First of all, overdue will produce bad credit records, which will affect your personal credit and future credit business, such as loans; Secondly, overdue repayment will generate interest and late fees; Finally, long-term non-return may violate the criminal law. For reference, it may violate the criminal law if the credit card fails to repay for a long time. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. The Criminal Law of Malicious Overdraft stipulates: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud. In any of the following cases, if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.