First of all, the first consequence of not paying back the credit card is money, which is interest. Everyone knows that credit cards are convenient to use, but as long as they are not used often, they will bring high interest. Generally speaking, credit cards are not enough. You have to pay two kinds of fees, one is the late payment fee and the other is the penalty interest.

Secondly, your credit history will be affected. If you don't pay back many times, you will be blacklisted by the bank.

Not only that, but you will also be punished by law. Once the bank has repeatedly urged you to repay, but you refuse, and the credit card has been overdrawn maliciously for more than 90 days, the bank has the right to sue you.