If you don't pay back the 5 thousand, the problem will be solved. If you don't return it, you will be notified by SMS and reminded by phone. If you don't return it, there will be a lawyer's letter, but it's useless. You will be blacklisted after three months overdue. I hope you cherish your personal credit. Then if you don't pay it back, interest, late fees and cash fees will accumulate and become bad debts of the bank. Consequence: You have already owed tens of thousands of dollars, and your name will appear in the newspaper, declaring that your credit is bankrupt, and other credit businesses are blocked, so you can definitely not apply for a loan. At present, the credit information system is not perfect. After the improvement, there will be many situations abroad, such as not enjoying social security, not installing bird phones, and not using bird cards when going abroad. Solution: All the money has been paid back, and a bank card certificate is needed. If you really don't have money, find a cash-out company and pay a cash-out fee of around 50 yuan every month, so that they can help you pay it back. Pay it back if you have money, and now there are points on the POS machine of the cashing company.