If the repayment must be made according to the regulations of the bank, the credit card has not been repaid, and the main consequences are as follows:

1. High overdue interest will be generated;

2. The bank will sue the court, which will cause economic losses such as litigation costs and lawyer fees;

3. Individuals will have bad credit records, which will have an impact on future bank cards and loans;

4. If the amount owed is more than 1, yuan, it constitutes the crime of credit card fraud and should be investigated for criminal responsibility.

generally, the bank's collection procedure is that the employees in the bank collect the money in the first three months, and if the customer fails to repay the money, the bank will outsource it to an outsourcing company for collection, or directly submit the materials to the legal department for collection. If the repayment is still not made during the filing period, it will be handed over to the court for sentencing. It usually takes 3-6 months from the bank to urge for outsourcing or legal collection, and it won't take long. It is only natural to pay back debts. And the cardholder will later enter the Lao Lai list, credit blacklist, etc. If he enters the police station, he will also have a record registration.

Legal basis

Article 196 of the Criminal Law of the People's Republic of China

Credit card fraud and theft are committed in one of the following circumstances, and if the amount is relatively large, they shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, 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 5, yuan but not more than 5, 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 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) Using forged credit cards;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft.

the malicious overdraft mentioned in the preceding paragraph 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.