1. legal liability: evading credit card debt violates criminal law or financial regulations, and involves crimes such as fraud and theft. If found, they will face legal investigation and punishment, including economic fines, criminal charges and even arrest and detention.
2. Credit record is damaged: evading credit card debt will lead to credit record damage. This will adversely affect future loan applications such as credit loans, housing loans and auto loans, and banks and financial institutions will refuse to provide loan services.