According to Chinese laws, China Construction Bank is legally responsible for overdue repayments on its credit cards. Even if the penalty is higher, it still needs to be repaid. The following are specific instructions:

1. Overdue repayment will cause damage to your credit record: The bank will report the overdue record to the credit bureau, which will have a negative impact on your personal credit record. This move may affect your future eligibility for financial services such as loans and credit cards.

2. The bank can take legal means to recover the debt: China Construction Bank has the right to recover your overdue debt through legal means, such as filing a lawsuit in court or entrusting a collection company to collect the debt. Once you are sentenced, the court execution procedure may freeze your assets and deduct wages, etc.

3. Debt will not be automatically eliminated: Debt will not be canceled due to extension of overdue time. No matter how long it is past due, you are still responsible for repaying the debt. If payments are not made on time, interest and late fees will continue to accrue.

In short, it is recommended that you contact China Construction Bank as soon as possible to understand the specific repayment plan, and try to repay on time to avoid further legal and economic risks.

Extended information:

China's "Contract Law" stipulates that the borrower should repay the debt according to the agreed time and method. According to the "General Principles of the People's Republic of China and Civil Law", an overdue credit card is a breach of contract, and the creditor has the right to require the borrower to bear corresponding liability for breach of contract.

In addition, China’s credit reporting system is managed by the central bank, and overdue repayment records will be recorded in personal credit reports, which may have an adverse impact on future applications for financial services.