As long as you are here, it's okay, and it doesn't constitute malicious fraud. There is an intention to repay, but the money is not enough. It is only a civil act, and the public security organs will not intervene. But the court may intervene, and the result of the intervention is that you have been paying back the money, and he can't do anything about you. However, your credibility is over, and the bank's credit information is networked. You won't get a car loan or a mortgage in the future. I suggest you find a chance to pay it back. The money you owe will be paid back sooner or later.

Overdue credit cards usually have the following consequences:

1. Expenses such as overdue interest and liquidated damages. : Calculate the interest from the overdue date of the credit card, which is generally five ten thousandths of the daily interest, and compound interest is calculated monthly; The liquidated damages are generally 5% of the unpaid part of the minimum repayment amount.

2. Bad credit record: after the deadline, the personal credit report will produce bad records, which will affect the future loan application.

3, may face criminal responsibility: if the long-term overdue and overdue amount is large, then you may receive a reminder from the bank; If the bank still fails to repay the arrears after being reminded, it may face criminal responsibility.

Generally speaking, the impact of overdue credit cards is still relatively large. I suggest that you must pay back on time.

If your credit card is about to expire or has expired, I suggest you call the bank's customer service phone in time, take the initiative to explain the situation, find out whether you can apply for deferred repayment or reduce the penalty interest, and repay as soon as possible.

The best way to land in debt

1. Have the consciousness of going ashore. When you start to recover the debt, it is the beginning of paying off the debt. I don't have the consciousness of going ashore, and even think that with my qualifications, I can take a shortcut to get a loan and a credit card. If the income can't keep up with the speed of debt, it will eventually become an old lai and be listed in the "blacklist" by major banks and lending institutions.

2. List all debts. First, list all the card debts and loan debts. How much money is owed for each card, when is the due repayment date of each card, and if you have spare capacity, you can list the installment fee for each card. How many installments can you divide? You can combine your own economic ability and monthly income, and estimate how long it will take to pay off your current debt. If it is expected to be paid off in half a year, the installment fees of all cards in six phases are listed for comparison.

3. Don't create new liabilities. After starting to finish debt planning, this is very important. Force yourself to do it.

4. The paid-off credit card is temporarily frozen. In order to avoid more card debt, the credit card that has been paid off is temporarily frozen, so don't swipe it again. Excessive card debt is closely related to excessive consumption by cardholders. Freezing the card debt that has been paid off can reduce unreasonable consumption to some extent and achieve the purpose of saving money.