If the credit card is overdue, there will be a series of consequences, and those who are serious will be arrested and punished. Of course, this is not all overdue penalties. Only when the malicious overdraft of credit cards constitutes the crime of credit card fraud will they be arrested and punished, and the penalty will be imposed according to the amount owed. Some people here will ask, will there be a penalty for owing 6 thousand credit cards? Let's analyze it below. As mentioned earlier, the penalty for credit card arrears must meet two standards, one is malicious overdraft of credit cards, and the other is that the amount owed meets the sentencing standards. 1. Malicious overdraft of credit card: refers to the behavior that the credit card is overdue for more than 3 months for the purpose of illegal possession, and the bank has failed to effectively collect it twice. 2. The standard of the amount owed: The two highest new judicial interpretations set the penalty standard for malicious overdraft of credit cards at 5, yuan, that is, the amount is relatively large. This overdraft amount only includes the principal of credit card overdraft, but does not include overdue interest, liquidated damages, annual fees and other fees to be charged by the issuing bank. Obviously, the credit card owed 6, yuan is not within this sentencing standard, and it does not constitute the crime of credit card fraud, so it will not be investigated for criminal responsibility, that is to say, it will not be punished. However, it should be noted that if you always fail to pay back the arrears, then the bank may sue you for civil disputes and let you repay. If, after the court's judgment, you obviously have the repayment ability but still don't carry it out, then you will be included in the list of people who have lost their trust, and this consequence is more serious than punishment. In addition, credit card arrears of 6, yuan may not be punished, but it will generate high penalty interest and liquidated damages. The longer the arrears, the greater the interest rate, so it will be even more unaffordable. Summary: No matter whether the credit card owes 6, yuan or not, as long as it is overdue, it will have an impact on the cardholder, so it is best to repay it on time. If you really can't afford to repay it, you can handle repayment by installments to relieve the pressure, or negotiate repayment with the bank.