If a bank sues a credit card due to default, the following adverse consequences will occur:

1. If the customer refuses to repay the loan after being judged by the court, the customer is likely to be listed as dishonest by the court. Among those on the list of persons subject to execution, daily consumption and travel will be restricted; the court is also likely to enforce the order, freeze the property under the customer's name, and deduct the funds to repay the debt. If you are suspected of maliciously overdrafting your credit card, you are likely to be sentenced to jail.

2. Whenever an overdue payment occurs, the bank will report it to the central bank for credit reporting, leaving a bad record in the personal credit report, and personal credit will be damaged as a result.

3. Due to credit problems, customers will most likely be hindered from applying for new credit services in the future, and they may be able to successfully apply for them in a short period of time.

4. From the day of overdue payment, penalty interest will be calculated at a daily interest rate of 0.5% until all is paid off. The longer the customer is overdue, the more penalty interest will be incurred. At that time, the customer will have to repay more, and the repayment pressure will continue to increase.

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