Legal analysis: generally not. What are the consequences of credit card arrears? Bank credit card arrears will not generate interest. If the amount is small, it will produce bad records; If the amount is large, in addition to personal bad records, malicious arrears will be formed after more than three periods, and the bank will report the case to the public security organ. And your personal financial business such as mortgage and car loan will also be affected by your bad record.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC), if a credit card holder 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, it is a malicious overdraft, and the amount is more than 5,000 yuan, which constitutes the crime of credit card fraud.