Some people don't often use credit cards. When the credit card expires, they intend to stop using it completely, simply ignore the credit card, and neither repay nor cancel it. In fact, this practice is very wrong.

If you don't pay it back all the time, it will be overdue once a month, which means that you will be recorded with a bad credit record once a month. And if you don't repay for many months in a row, you will be sued by the bank and sentenced to malicious arrears, your credit record will get worse and the amount of arrears will get bigger and bigger. In serious cases, you will be fined.

Extended data:

Precautions for bank blacklist:

Since it is blacklisted by the bank, it is impossible to apply for mortgage, car loan, commercial loan and credit card from the bank in the future. For those who still have outstanding debts in some banks, if they want to deposit or transfer money in banks, they need to pay off their debts first.

For those blacklisted by banks, spouses and children will also be implicated. The bank will check the spouse's credit when checking the credit. Therefore, one of the husband and wife will be blacked out, and the other will be restricted by the bank to handle business. If the bank has applied to the court to put you on the list of untrustworthy people, then your children will not be able to enter private schools with high fees.

Baidu encyclopedia-credit card blacklist

People's Network-Identity information stolen. Only by applying for a mortgage with a credit card can you become a "black account"