If the deadline is exceeded, there will not only be a late payment fee of 5% for the minimum unpaid part, but also a penalty interest for the full amount of the bill (the daily interest will be 0.5 ‰, and the interest will be collected from the day of consumption until the principal and interest are paid off), which will also lead to a bad credit record in the Credit Information Center of the People's Bank of China, and it will be difficult to apply for credit cards and bank loans within five years. If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court.