If you don't pay back in good faith, not only will the loan for buying a house and a car be restricted, but also the job search abroad will be affected, and the credit of your spouse may also be affected. There is such a provision on credit card crime in the criminal law: if the overdraft exceeds the prescribed limit or time limit and is not returned for more than 3 months after two collections, it is characterized as malicious overdraft. Those who maliciously overdraw 1 10,000 or more and are dissatisfied with 1 10,000 are deemed to be relatively large, and shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention; From 65438+ 10,000 to 1 10,000, the amount is huge, and the sentence is more than five years 10 years.
China Bank Card Industry Self-discipline Convention stipulates that if the overdue repayment of a credit card is less than 3 days and the repayment difference is less than 10 yuan, no penalty interest will be charged, and no bad record will be generated during the extension period. Credit card overdue repayment is generally not more than 3 times. You can apply for a small credit card or borrow a loan with high interest rate. Those who are overdue for more than 6 times and fail to pay back once will be blacklisted by the personal credit information system of the People's Bank of China. It is very difficult to apply for credit cards and loans on this list.
Therefore, it is recommended that you swipe your card abroad and repay it on time no matter where you are, so as to avoid personal credit damage.