1. If you don't pay back the bank credit card, you will generate interest. If the amount is relatively small, it will produce a bad credit record; If the amount is large, in addition to personal bad credit records, malicious arrears will be formed after more than three periods, and the bank will report the case to the public security organ. Article 196 of the Criminal Law stipulates that for more than 9 days, the bank has repeatedly failed to collect money, and those with more than 5, yuan bear criminal responsibility, which means that they can sue and sentence. There will be civil liability below 5 yuan, and the court will sentence it to compulsory execution. Before going through legal procedures, the bank or collection company will find the local police station to handle it at your home according to your household registration. Moreover, due to your bad record, handling financial services such as mortgage and car loan will be affected, including if you have the opportunity to work in a bank or financial institution in the future, you will also be rejected.

2. When you owe the bank credit card money, your attitude is very important. You should take the initiative to find the issuing bank in the local card center to explain the actual situation, and you can't avoid it, otherwise the bank will think that you are maliciously defaulting. Even if the funds are really difficult to turn around and can't be repaid in full, we should try our best to express our sincerity in part. Generally, in this case, the bank may not file a lawsuit. Bad records cannot be revoked even after the arrears are settled, but overdue records can be covered with good records of timely repayment. The credit information system of the People's Bank of China can only query the repayment records of credit cards in the last 24 months.