Consequences of overdue credit card repayment: First, failure to repay overdue credit card after overdraft is a breach of contract. The bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, over-limit fees, etc.; if The bank sued in court and won, but the cardholder still had to bear the legal costs. Second, if the cardholder maliciously overdrafts a certain amount for the purpose of illegal possession