1. What will happen if the credit card is overdue for two years?

1. If the credit card is overdue for two years, the repayment will be based on five ten thousandths of the daily interest, and the compound interest will be calculated monthly; The bank will also charge a late fee, which is 5% of the unpaid part of the minimum repayment amount;

2. The credit card has not been returned for two years, and the cardholder's bad credit has been uploaded to the central bank for credit investigation, which will affect the cardholder's future loan affairs and credit card application, and the bad credit investigation should be kept for five years;

3. If the credit card is not returned for two years, the bank will suspend the service of the credit card and the credit card will be stopped;

4. If the credit card is not returned for two years, the bank will collect it, and the bank can start judicial proceedings if it is maliciously overdue.

Second, how to punish the malicious overdraft of credit cards

1. Malicious overdraft of credit cards will violate the crime of credit card fraud:

(1) be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and be fined not less than 2, yuan but not more than 2, yuan;

(2) If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan;

(3) If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan or his property shall be confiscated.

2. The so-called serious circumstances refer to the huge amount of fraud or other serious circumstances.

3. The amount here is huge. According to the provisions of the relevant judicial interpretation, it means defrauding more than 5, yuan.

4. As for other serious circumstances, it mainly refers to:

(1) using advanced technical means to forge and then use;

(2) the ringleader of a criminal group that uses credit cards for fraud;

(3) repeatedly using credit cards to cheat, and refusing to change after repeated instruction;

(4) because of its fraud, it has caused huge losses to other people's public or private property;

(5) behaviors that have a bad influence due to their behaviors.

5. The so-called circumstances are particularly serious, which refers to the huge amount of fraud and other particularly serious circumstances.

6. The starting point standard for a particularly huge amount is 5, yuan according to the provisions of relevant judicial interpretations.

7. As for other particularly serious circumstances, it mainly refers to:

(1) committing fraud by using credit cards as a regular business;

(2) Those who are recidivists, recidivists or have committed crimes for many times;

(3) having multiple serious situations;

(4) Because of its fraudulent behavior, it has caused particularly serious economic losses or other particularly serious consequences to others;

(5) those who commit other serious criminal offences by swindling property, and so on, which have particularly bad effects due to their actions.

8. If a credit card with malicious overdraft has repaid all the overdraft interest after the public security organ files a case but before the judgment of the people's court is announced, it can be given a lighter punishment, and if the circumstances are minor, it can be exempted from punishment. If the amount of malicious overdraft is large, and all the overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

individuals need to return their credit cards on time after spending. If the cardholder fails to return the credit cards on time, there will be overdue records, which will damage the personal credit. The record of bad personal credit will be kept for five years before it can be eliminated. During this period, the cardholder has to apply to the bank for a car loan or mortgage, because the bank will not approve lending because of the bad overdue records of personal credit.