In view of the crime of "malicious overdue", there is a crime of "malicious overdraft of credit cards" in China's criminal law, and the vast majority of people serving sentences for overdue credit cards violate this law. Credit card overdue can be large or small. If it is overdue for a few days, even if the debt is paid off, it will ruin the credit history for several years. A long overdue period may ruin a person's life.

As an adult, if you really can't repay it, you can only bear the consequences yourself. Don't make any more mistakes in your future life.