1. There will be late fees and penalty interest. If the time is too long, the installment business will be terminated. Previous consumption is treated as overdue payment, which will result in overdue payment and penalty interest, and negative information such as overdue payment will be recorded in personal credit report.

2. Negative information such as overdue repayment is not always recorded in personal credit report. At present, China's credit record has been maintained for five years. After paying off the credit card debt, anyone can start building a credit record again and start again.

3. Whether it constitutes a criminal offence and whether you will go to jail depends not only on the time of arrears, but also on the principal amount of credit card arrears.

4. If the amount of principal owed reaches 1 10,000 yuan or more, and it has not been returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in the criminal law and suspected of credit card fraud. According to the law, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall be fined not less than 20,000 yuan but not more than 200,000 yuan.

5. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.