For example, a loan from a rural credit cooperative ten years ago has not been repaid yet. What will happen if this happens? In fact, if the bank does not repay the arrears, it will have the following consequences according to different loan situations: First, the consequences of being reminded. Because you applied for a loan from the bank, for whatever reason, but because you broke the contract first, you didn't repay it in time as agreed, and it was overdue. Once overdue, the first consequence is debt collection. The bank will call, send a text message or express the bill to the location of the ID card, and even the bank will go directly to the door to collect debts. Second, face the consequences of high liquidated damages and interest. Bank loans generate interest. As long as you don't repay the loan for one day, you will get interest for one day. At the same time, it will also increase the loan penalty, which will only increase your repayment pressure in the future. Faced with this kind of loan that is in arrears for 10 years, the interest rate must be surprisingly high, and bank loans are profitable. Ten years have passed, and this debt is already very large. Third: the consequences of personal credit reporting with bad records. Once the bank loans overdue, the arrears will be displayed in the personal credit information system, and the personal credit information system will inevitably have some bad records. You should know that your personal credit information has a bad record and you can't handle credit information related business for five years. This situation will make your life somewhat limited, and the credit business will be rejected by the relevant institutions. This consequence is still very troublesome for your life. Fourth: face the consequences of being sued. If you borrowed money from a credit union ten years ago, and for some reason, it is delayed and the amount is not small, in this case, the bank is likely to sue you. The loan is postponed and the amount is large. In this case, the probability of being sued by the bank is very high, and the bank will sue the court and force repayment through legal channels. Fifth, it may also face the consequences of criminal responsibility and blacklist of personal credit information. If the bank appeals to you for a loan, the court has issued a ruling, and you refuse to implement the court ruling. If this happens, the consequences will be quite serious. This practice is illegal, you may face criminal responsibility, and even your personal credit information will be blacklisted. If this happens, the consequences will be quite serious.