Because the credit card has not been repaid, the main consequences are:
1. Penalty interest: When signing a loan contract, some regulations will generally be made for loans overdue, and default interest will generally occur if it is overdue. The amount of penalty interest is different from the interest generated by different financial institutions, but as an expense that should not be spent, it is better not to generate it. Second, credit stain: don't underestimate this. Once in loans overdue, the bank will report your overdue records to the central bank's credit information system. Once the record is generated, your personal credit report will be defiled. This little stain will form a great resistance to your future loan and credit card application. Borrowers can't lose big because of small. Third, you can't enjoy preferential loan interest rate: We all know that when you apply for a loan from a bank, the loan interest rate fluctuates to varying degrees, and high-quality customers can usually get the lowest loan interest rate, while users with loans overdue records are basically daydreaming if they want to enjoy preferential interest rate even if they apply for a loan. Four. If it is overdue, depending on the length of time, it will have an impact on your credit investigation. If it is seriously overdue (more than 90 days), the credit investigation is a black account, and you cannot apply for any loan business before it is paid off. If it is overdue, it will cause additional expenses such as liquidated damages and overdue interest. It is nothing new that the long-term overdue interest is greater than the principal. Please be careful.
The amount owed is more than 1000 yuan, which constitutes the crime of credit card fraud and should be investigated for criminal responsibility. Article 196 of the Criminal Law commits the crime of credit card fraud under any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.