1. Payment of late payment fee and overdue interest: Failure to repay the credit card after overdraft is a breach of contract, and the bank may require the cardholder to repay the principal, overdue interest, late payment fee and overdue fee.

2. Bad credit record: overdue repayment will leave a bad credit record for the cardholder and affect the smooth progress of the cardholder's future loan.

3. Bear criminal responsibility: If the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, he shall also bear criminal responsibility.

How to recover overdue frozen ICBC credit cards?

Whether the credit card can be unfrozen after being frozen depends on your negotiation with the bank. Generally speaking, if the bank freezes your credit card, it means that you have overdue it more than once or twice. In this case, the bank will think that the cardholder is no longer a qualified cardholder, and continuing to provide credit card overdraft service is likely to cause greater bad debts. Even if the cardholder pays the arrears later, the bank will think that the cardholder has the intention of malicious overdraft, and the repayment may be overdue in the future, so even if the frozen credit card is paid back, it is rarely unfrozen.

Finally, if you need money urgently, I suggest you choose a big brand loan, with transparent interest and fees, and at the same time ensure your information security. "Qianhua" is the original Baidu financial credit service brand (formerly known as Baidu Qianhua), and its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model. Relying on the advantages of Baidu technology and scene, "Qianhua" uses artificial intelligence and big data risk control technology to provide users with convenient, fast and safe Internet credit services. The application materials are simple, with the fastest approval in 30 seconds and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment. I hope this answer is helpful to you. Click on the bottom of the phone to measure the amount immediately. The maximum loan amount is 200,000 yuan.