What happens if the credit card doesn't pay back? Credit card non-repayment will have a negative impact on the cardholder's credit record, which may lead to the rejection of the credit record, thus affecting the cardholder's future loan application. In addition, the credit card company will also charge the cardholder a late fee, and may transfer the arrears to the collection company, which will have a great negative impact on the cardholder's credit record.

The latest credit card non-repayment risks and treatment methods: First, the cardholder should contact the credit card company as soon as possible to avoid arrears and minimize the occurrence of late payment fees. Secondly, cardholders can consider applying for installment payment service provided by credit card companies to reduce the burden. In addition, cardholders can also consider applying for deferred repayment services provided by credit card companies to reduce the burden. Finally, cardholders can consider applying for billing installment service provided by credit card companies to reduce the burden.