1, which will be recorded in the personal credit information system.

2. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments.

3. After winning the case, if the judgment is not fulfilled within the performance period, the lending institution will apply for compulsory execution.

4. When compulsory execution is accepted, the lender's property, vehicles, securities and deposits will be inquired according to law.

5. If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

6. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

7. Article 313th of the Criminal Law: Crime of refusing to execute a judgment or ruling. Those who refuse to execute the judgment or ruling, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine.

Extended data

Maintenance method:

1. First of all, when the lender or credit card holder changes important information, it is necessary to update the bank information in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account.

2. If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.

3. Some people think that personal bad records can be eliminated as long as credit cards are eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record. At this time, it is necessary to continue to maintain the long-term benign use of the card in order to prepare for the return of personal credit records to "innocence" through good credit transactions in the future.

4. Of course, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information is 5 years, and it will be deleted after 5 years, but this is on the premise of paying off the loan. Don't think that you can be eliminated without paying back the money.