The bank's punishment for overdue credit cards is still relatively strict. If the overdue situation is serious and there is malicious default repayment, the bank will sue the landlord and hand it over to the court for judgment. If the amount owed is large and overdue for a long time, the overdue cardholder shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. At the same time, overdue records will be recorded in the landlord's personal credit record. Therefore, it is suggested that the landlord repay the loan on time.