1. The credit card account is frozen by the issuing bank, and the arrears record may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record, resulting in the cardholder's inability to apply for a housing mortgage loan normally.

2. Receive the dunning phone and letter from the issuing bank.

3. The money consumed no longer enjoys the interest-free repayment treatment. The issuing bank shall calculate the daily interest with the consumption amount as the principal from the date of consumption, with the daily interest rate of 0.5 ‰ and compound interest on a monthly basis; For the unpaid part of the minimum repayment amount, a late fee of 5% will be charged every month.