The consequence of credit card default is to pay overdue interest in accordance with the agreement or relevant state regulations. If you don't pay it back after being sued, you will be forced to deposit it into your account by the court. If the enforcement fails to achieve its purpose, it will be blacklisted.

Legal objectivity:

Article 676 of the Civil Code of People's Republic of China (PRC) If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state. Article 42 of People's Republic of China (PRC) Commercial Bank Law stipulates that the borrower shall repay the loan principal and interest on schedule. If the borrower fails to repay the secured loan at maturity, the commercial bank has the right to require the guarantor to repay the principal and interest of the loan or give priority to the repayment of the collateral. Real estate or equity acquired by a commercial bank due to the exercise of mortgage or pledge shall be disposed of within two years from the date of acquisition. If the borrower fails to repay the credit loan at maturity, it shall bear the responsibility in accordance with the contract.