Legal analysis: First of all, overdue will produce bad credit records, which will affect your personal credit and future credit business, such as loans; Secondly, overdue repayment will generate interest and late fees; Finally, the bank will reserve the right to sue if it may not violate the criminal law for a long time. Please repay in full and on time before the due date.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.