At this time, you should go to the bank to repay the loan immediately and complain to the bank (indicating that you delayed the repayment due to involuntary factors, and of course you should provide real proof materials);
If you still don't return it, you will be prosecuted for suspected credit card fraud (or other);
The consequences are: there is little chance of going to jail (the domestic credit card limit is roughly less than 50 thousand, and the arrears within this limit do not constitute imprisonment; However, if the breach of contract is serious, it may be taken for a while, but it will do great damage to your credit, that is, entering the "blacklist" of credit card users will affect your application for credit business in the future;
1. The bank may sue, but your amount is not enough to constitute a criminal offence, so don't worry too much; 2. Only if the amount of the principal owed reaches 1 10,000 yuan or more and is not returned by the issuing bank for more than three months, it will be deemed as "malicious overdraft" in the criminal law, and it is suspected of credit card fraud, and it will be sentenced to fixed-term imprisonment of not more than five years or criminal detention according to law, and a fine of not less than 20,000 yuan but not more than 200,000 yuan will be imposed; 3. Overdue repayment will be recorded in the personal credit report, but negative information such as overdue repayment is not always recorded in the personal credit report. At present, China's credit record has been maintained for five years. After paying off the debt, anyone can start building a credit record again and start again. In summary, it is recommended to pay back the money as soon as possible.