If a friend swipes the credit card and refuses to repay it, the card owner will have to pay the money back first and then ask the friend for payment. If the credit card is not repaid, he will have to pay more overdue interest and late payment fees. Not a good deal.

1. Credit card late payment fees. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount.

2. Overdue interest.

3. Litigation costs. If the user fails to repay the overdraft after 2 months, the bank will call the user to remind the user to repay. If the loan is not repaid, the bank will ask a lawyer to issue a lawyer's letter to the user.

4. Bad credit record. Credit card users who overdue repayments will be recorded in a bad credit record, and the basic database of personal credit information has been networked nationwide. As long as an individual resident has handled a loan business at a bank, applied for a credit card, or provided a guarantee for others, then You can check your credit report at any domestic commercial bank. For customers with bad records, banks will treat them with caution in future loan applications and may require customers to provide mortgages and guarantees, may reduce the loan amount, increase the loan interest rate, or even refuse the loan. On the contrary, if the credit report has a good record, you may enjoy preferential treatment in terms of amount and interest rate in future credit business.

5. Criminal liability for malicious overdraft.