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) and has not been paid back for three months (counting from the value date), it is suspected of credit card fraud after repeated reminders from the bank.

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.

Legal basis: Article 19 of the Criminal Procedure Law of People's Republic of China (PRC) shall be investigated by public security organs, except as otherwise provided by law. Crimes such as illegal detention, extorting confessions by torture, and illegal search. The people's procuratorate may file a case for investigation of illegal acts found by judicial personnel in the process of legal supervision of litigation activities. If a major criminal case of a functionary of a state organ under the jurisdiction of a public security organ needs to be directly accepted by a people's procuratorate, it may be placed on file for investigation upon the decision of a people's procuratorate at or above the provincial level. Cases of private prosecution are directly accepted by the people's courts.