Hello! If it is a CMB credit card, please repay it in full and on time. 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, long-term non-return may violate the criminal law. (The following information is for reference) Failure to pay back the credit card arrears for a long time may violate the criminal law. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. The Criminal Law of Malicious Overdraft stipulates: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud. In any of the following cases, if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. If you still have questions, I suggest you solve the credit card problem anytime and anywhere through the credit card intelligent service platform. Click here to view details > & gt/Common/Default.aspx? pageid=zxkf 1