1. Bad credit: a large number of credit cards will be overdue if they are overdrawn, and once they are overdue, they will have bad credit. According to the current regulations, personal bad credit records will be kept for five years. During these five years, the approval of all credit cards and loans will be affected by bad records.

2. Generate overdue interest: If there is no repayment on the last repayment date, the bank will not only charge a certain penalty, but also calculate interest according to the expected annualized interest rate of five ten thousandths.

3. Investigate criminal responsibility: If a credit card is maliciously overdrawn and is not returned after being collected by the bank, it constitutes a crime of credit card fraud and will be prosecuted by the bank. According to the criminal law, credit card fraud will not only be sentenced, but also fined.

What if the large credit card is not returned?

1. Minimum repayment amount: All credit cards have minimum repayment amount. If it is really impossible to repay in full, then repay according to the minimum repayment amount, so that there will be no overdue, but in this case, the bank will charge five ten thousandths of interest every day until you pay off the debt.

2. installment: a few days before repayment, you can choose to call customer service to apply for installment, or a single large installment. Of course, there will be a handling fee, but there is no interest. It can be divided into three periods, six periods and 12 periods according to its own ability.