1. Overdue interest charges will be high: if the temporary quota is not met, it will be overdue. After the deadline, penalty interest and liquidated damages will be incurred. The penalty interest is calculated from the day when the temporary quota is used, and it is calculated in RMB 10,000. Daily interest is calculated at 5/5, and compound interest is calculated on a monthly basis; liquidated damages are 5% of the unpaid portion below the minimum repayment amount.

2. Create a bad credit record: No matter what credit card limit you use, the most direct consequence of not paying back is overdue. Overdue will be reported on the credit report, and even if you repay the loan, it will take 5 years. To eliminate bad credit. If you never repay the loan, the bad credit will accompany the cardholder for life.

3. Pursuing criminal liability: If the credit card is overdue and the amount of debt owed is relatively large, and if the credit card is not repaid for more than 3 months, and the credit card is not repaid after two effective collections by the bank, the principal of the debt will reach 5 If the amount exceeds 10,000 yuan, the bank will report the case as credit card fraud, the police will arrest the person, and if the case is serious, he will face jail time.