If the payment is overdue, it will not only result in a 5% overdue penalty for the minimum unpaid part (minimum 65,438+00 yuan), but also a full penalty for the statement (five ten thousandths of the daily interest, starting from the day of consumption, and recovering the interest on a monthly basis until the principal and interest are paid off), and will generate a bad credit record in the Credit Information Center of China People's Bank, which will affect the application for credit cards and bank loans within two years. If the payment is overdue for more than three months or the bank reminds you twice or more, the bank will freeze your deposit and put you on the list of prohibited customers (blacklist). At the same time, you may be sued for fraudulent loans, which will be enforced by the court. Article 196 of the Criminal Law stipulates that those who engage in loan fraud activities with a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be 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 especially 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 confiscated property.

Good luck! (Please ask questions if you have any questions, and hope to adopt them if you are satisfied.)