There will definitely be problems.

Consequences of Overdue Credit Cards Some people maliciously owe money after overdrafting their credit cards. If they intentionally do not repay the repayments, not only will their loans to buy a house or a car be restricted, but the credit of going abroad, finding a job, and even their spouse will be affected. will be affected and permanently recorded in the person's integrity file. The Criminal Law has this provision on credit card crimes: If an overdraft exceeds the prescribed limit or time limit, and the card issuer still fails to return the money after two calls for more than 3 months, it will be classified as a malicious overdraft. Malicious overdraft of more than RMB 10,000 and less than RMB 100,000 is deemed to be a relatively large amount and shall be punished with imprisonment of not more than five years or criminal detention; if the amount is from RMB 100,000 to RMB 1 million, which is a huge amount, the person shall be sentenced to imprisonment of not less than 5 years but not more than 10 years. If the bank goes through legal procedures and sues the cardholder, the court will rule according to law. If the bank files a criminal lawsuit and the cardholder is determined to have malicious overdraft and reaches a certain amount, he will be imprisoned.

Supplementary information:

1. If you owe 5,000 yuan on a credit card and are overdue for five years, the consequences will be serious.

1. The "Regulations on the Administration of the Credit Reporting Industry" stipulates that the credit reporting agency shall retain personal bad information for 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted. . But if you don't repay the loan, your bad credit record will not be eliminated after 5 years.

2. The credit record time is not calculated from the time when the bad behavior occurs and is deleted after 5 years, but 5 years from the date when the bad behavior or event ends. In other words, 5 years refers to the 5 years after the credit card debt is settled.

3. If the balance is not paid, the overdue record will always exist and affect future economic life such as loans and credit cards. As the coverage of credit records becomes wider and wider, life will become more and more troublesome.

4. The bank charges interest, with a daily interest rate of 5/10,000. The interest is compounded on a monthly basis, and the interest is compounded, and the amount owed will increase.

5. The bank will start calling for payment. If the collection fails, the bank will transfer the list to the collection company, and the collection company will be responsible for collection. If collection efforts are unsuccessful, the bank may sue, and the cardholder may bear legal consequences.

2. Those who do not repay their credit card debts become "old people" and have a serious negative impact on the social financial order. The Supreme People's Court and the joint department will take the following measures against such people:

1. Restrict dishonest persons from taking high-level seats on planes and trains;

2. Freeze their financial management accounts;

3. Restrict travel abroad and high consumption;

4. Restrictions on borrowing money from financial institutions or applying for credit cards;

5. Credit cards already held will be canceled and loans applied for will be frozen;

6. ** in public *The big screen in the venue exposes personal information;

7. Customize exclusive ring tones for "Lao Lai", etc.

In addition, if the credit card debt is not repaid and the amount involved is relatively large, the "Lao Lai" will also face legal sanctions:

Article 196 of the "Criminal Law" stipulates that for those who exceed the prescribed limit Cardholders who overdraft within the limit or specified period and still fail to return the money after being called by the card issuer, if the amount is determined to be relatively large, will be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention and a fine of 20,000 to 200,000 yuan; and the amount is particularly huge Or if there are other particularly serious circumstances, he will be sentenced to fixed-term imprisonment of not less than 10 years or even life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation.