The consequences of overdue credit cards include the following: first, high late payment fees and interest will be incurred; second, it may affect personal credit records and reduce trust in future borrowing; finally, it may cause banks to take legal action means to collect debts.

1. High late payment fees and interest: Overdue credit card repayments will cause the bank to charge high late payment fees and interest, and these fees will further increase the amount of money owed.

2. Impact on personal credit record: Overdue repayments will be recorded in personal credit records and will become an important reference for banks to assess credit risks when applying for loans or credit cards in the future. A bad credit history may prevent you from getting better loan terms or even be denied a loan.

3. Legal recovery of debts: Banks have the right to take legal measures to recover overdue credit card debts. They can sue overdue users through the courts to recover arrears and demand repayment of late fees, interest and related legal fees.

Summary: Overdue credit cards will result in high late payment fees and interest, affect your personal credit record, and may trigger legal recovery actions. Therefore, when encountering financial difficulties, it is important to communicate with the bank in a timely manner and take measures to resolve overdue issues.

Extended information: Overdue repayment will cause the credit card account to become an "overdue account", which will have a long-term impact on personal credit. Credit records are managed and operated by the People's Bank of China. Banks and financial institutions monitor and evaluate personal credit status by submitting information to the credit reporting system. Therefore, maintaining a good credit history is critical to personal financial stability and future borrowing ability.