Legal analysis: No, not only will there be a overdue fine of 5% of the minimum unpaid part and a full penalty interest on the bill (daily interest is 0.5%, interest will be paid on the day of consumption, and interest will be recovered monthly until the principal and interest are paid off), but also a bad credit record will be generated in the Credit Information Center of the People's Bank of China, which will seriously affect the application for credit cards and bank loans within five years. The bank will freeze your card and list you as a prohibited customer (blacklist) if it is overdue for more than three months or the bank reminds you twice. At the same time, you will also be punished by credit card fraud and malicious overdraft, which will be enforced. Refusing to repay, the amount owed exceeds 6,543.8+0,000, and the penalty shall be determined according to Article 654.38 +0.96 of the Criminal Law.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and 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 particularly 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 his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Overdue fines and penalty interests must be paid.