1, reputation problem. If you don't repay the loan after the deadline, there will be not only late fees, but also bad personal credit records. You can't apply for credit cards and bank loans for five years.

2. dunning. If the loan has not been repaid for more than three months or the bank reminds it twice, it is suspected of credit card fraud and malicious overdraft. The bank will sue you and apply for court enforcement. If you are not suspected of credit card fraud or malicious overdraft, you will also be forced to repay. Therefore, if 1 1 year fails to pay back the money, there will be credit problems and dunning.