1. It will be recorded in the personal credit system.

2. If you really do not have the ability to repay, you should negotiate with the lending institution to extend the repayment period or repay in installments.

3. After the loan institution sues and wins the case in court, if it fails to fulfill the court judgment during the performance period, it will apply to the court for compulsory execution.

4. When accepting compulsory execution, the court will inquire about the properties, vehicles, securities and deposits in the name of the lender in accordance with the law.

5. If the lender has no property available for enforcement and refuses to fulfill the court’s effective judgment, negative information such as overdue repayment will be recorded in the personal credit report and high consumption and entry and exit will be restricted. , and may even be subject to judicial detention.

6. If the person has the ability but refuses to execute the sentence, he is suspected of refusing to execute the judgment or ruling.

7. Article 313 of the "Criminal Law" stipulates that anyone who is capable of executing a judgment or ruling of a people's court but refuses to do so, if the circumstances are serious, shall be sentenced to a fixed term of not more than three years. imprisonment, detention or fine. Extended information

Maintenance method:

1. First of all, when the lender or credit card holder changes important information, the bank information needs to be updated in a timely manner. 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. Only then can you receive the credit card confirmation letter and statement on time, and receive bank reminders in a timely manner. SMS to ensure account security.

2. If the credit card holder does not have enough funds to repay the entire bill amount and does not want to affect his credit record, he can contact the bank in time to choose to return the minimum repayment amount or apply for installment repayment.

3. Some people believe that personal bad records can be eliminated by simply eliminating credit cards. In fact, credit records are accompanied by the cardholder's personal identity information. Simply canceling the card cannot eliminate bad records. At this time, you should continue to maintain long-term good use of the card, so that your personal credit record can be "clean" through good credit transactions in the future.

4. Of course, the "Credit Industry Management Regulations" stipulate that the retention period of personal bad information is limited to 5 years. If it exceeds 5 years, it will be deleted. However, this is on the premise of paying off the loan. Don’t think that it can be eliminated if you don’t pay back the money

Baidu Encyclopedia-Credit Report