1. First, the credit card becomes overdue, resulting in high late fees and interest, and the interest is compounded monthly. After a period of overdue, the bank will call for repayment. Moreover, before the overdue record of credit card is called by the bank for repayment, the bank has already reported it to the credit information system for record.

2. The credit card was stopped. If the cardholder fails to repay the loan, his credit card will be deactivated. If you are in arrears for a long time or for many times, the bank will think that the cardholder's repayment risk is relatively high, and will stop using this credit card and recover the arrears from him. The bank may apply for auctioning the cardholder's other fixed assets if the bank still fails to pay back the credit card arrears.

3. Personal credit stain. With a bad credit record, it will be difficult to apply for a credit card. Similarly, the loan for buying a house will be different: the loan amount is relatively small and the loan interest rate is relatively high. If the situation is even worse, the bank loan application will only be rejected.

4. After repeated collection by the bank, the credit card holder still fails to pay off in full or refuses to repay. When the late payment fee and interest interest on the credit card reach a certain amount, the bank will file a lawsuit with the court for "credit card fraud". As soon as the bank sues, the court summons will be sent to the credit card holder's home or company soon.

Extended information:

How to deal with credit card failure

The way to deal with credit card failure is to actively negotiate with the bank and strive for delayed repayment, installment repayment or minimum repayment, as follows:

1. Delayed repayment. After telling the bank why it is unable to repay, the bank will decide whether to agree with the user to negotiate repayment according to the actual situation. If the negotiation is successful, the repayment period can usually be extended and some interest and handling fees can be reduced, and the user will repay according to the agreement after negotiation;

2. Repay by installment. It can alleviate the pressure of repayment in a short time, but it is inevitable that there will be a fee, and the longer the installment, the higher the fee;

3. Pay the minimum repayment amount first. Too much credit card debt, inability to repay will lead to overdue credit cards, which will affect personal credit records and generate overdue fees.

4. You can't apply for a credit card at will. Before applying for a credit card, users can get a big data report at Qingquan Express, check their own application records, loan records, personal credit comprehensive scores, etc., and try their best to ensure that the application can pass.