Consequences of overdue credit card:

1. If it is a small overdue record, it may be restricted by the bank in future mortgage, car loan and personal loan.

2. If the amount involved is large, it may violate the law:

If the overdraft amount of a bank credit card holder reaches 5,000 yuan (excluding interest), it has not been paid back for three months (counting from the value date), and it has not been paid back after repeated reminders from the bank, it is suspected of credit card fraud.

If the cardholder fails to repay within half a month after receiving the notice from the public security organ, the public security organ will deal with him on suspicion of credit card fraud.