The impact on credit is certain. As long as a late repayment occurs, a record will be left in the central credit reserve. However, this record can be repaired, as long as you make the payment on time in the next two years. Repayments have little impact.

Maintaining good consumption and repayment records by repaying on schedule will continuously increase your credit. Whether it will affect your future mortgage loan depends on how long the overdue repayment is and whether the amount owed is repaid. Clearance, the amount of arrears, etc. are used to measure the customer's actual repayment ability, so as to consider whether a loan should be made. :

Article 196 of the Criminal Law: Whoever commits the crime of credit card fraud or theft under any of the following circumstances and conducts credit card fraud activities, and the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and A fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed;

If the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. ;

If the amount is extremely huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated:

< p>(1) Using a forged credit card, or using a credit card fraudulently obtained with false identity certificates;

(2) Using an expired credit card;

(3) Pretending to be Using other people’s credit cards;

(4) Malicious overdraft.