Legal analysis: 1. If it is really unable to repay, it shall negotiate with the credit company to extend the repayment period or repay it in installments. 2. If a credit company wins the case in the court and fails to perform the court's judgment within the performance period, it may apply to the court for enforcement. 3. When the court accepts the execution, it will inquire about the real estate, vehicles, securities and deposits under its name according to law. 4. In addition, if there is no executable property in the name, the court refuses to perform the effective judgment, and negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody. 5. Those who have the ability to refuse to execute are suspected of refusing to execute the judgment or ruling.

Legal basis: Article 313 of the Criminal Law of People's Republic of China (PRC) refuses to execute the judgment or ruling of the people's court, and if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.