Legal analysis: will be prosecuted. 1. Expenses such as overdue interest and liquidated damages. : Calculate the interest from the overdue date of the credit card, which is generally five ten thousandths of the daily interest, and compound interest is calculated monthly; The liquidated damages are generally 5% of the unpaid part of the minimum repayment amount. 2. Bad credit record: after the deadline, the personal credit report will produce bad records, which will affect the future loan application.

3, may face criminal responsibility: if the long-term overdue and overdue amount is large, then you may receive a reminder from the bank; If the bank still fails to repay the arrears after being reminded, it may face criminal responsibility.

Legal basis: Article 5 13 of the Civil Code of People's Republic of China (PRC) implements government pricing or government-guided pricing. When the government price is adjusted within the delivery period agreed in the contract, it shall be priced according to the price at the time of delivery. If the subject matter is delivered late and the price rises, the original price shall prevail; When the price drops, the new price shall prevail. Overdue extraction of the subject matter or overdue payment, in case of price increase, according to the new price calculation; When the price drops, the original price shall prevail.