1. If you fail to repay your credit card overdraft of more than 100 yuan on time, you may be blacklisted.

2. Detailed description:

- A credit card overdraft refers to using an amount that exceeds the credit limit, that is, spending beyond the available limit.

- If the overdraft amount is small, such as more than 100 yuan, the bank will usually not blacklist it immediately.

- However, if defaults persist or repayments are overdue, the bank may take further action.

- Banking institutions will evaluate whether to blacklist customers based on their credit history and repayment status.

- Blacklisting is a measure used by banks to manage customers with a higher risk of loss, which may lead to credit damage and even affect future loan and credit card applications.

3. Summary:

Failure to repay a credit card overdraft of more than 100 yuan on time may attract the attention of the bank, but usually it will not be immediately blacklisted. However, continued defaults or overdue repayments may lead to further serious consequences, including being blacklisted and adversely affecting personal credit.

4.

Extended information:

Credit card overdraft is not completely illegal, but it needs to be done within a reasonable range. The bank will set a credit limit, and customers need to use it reasonably according to their repayment ability. Excessively large overdrafts or long-term overdrafts without repayment may be considered risky behavior and trigger vigilance from banks. Therefore, it is recommended to repay in full and on time to maintain a good credit record.

Note: This answer is based on general experience and judgment. Specific situations may vary due to bank policies, personal credit records and other factors. For accurate information, please consult the relevant financial institution or professional.