1. Overdue repayment will be recorded in the personal credit report, but negative information such as overdue repayment will not be permanently recorded in the personal credit report. At present, China's credit record has been maintained for five years. After paying off the debt, anyone can start building a credit record again and start again.

2. Failure to return the bank credit card within the time limit may be suspected of credit card fraud;

3. If the amount of principal owed reaches 1 10,000 yuan or more, and it is not returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in the criminal law, and it is suspected of credit card fraud, and shall be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention according to law, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan;

4. The amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

5. Those who maliciously overdraw shall be investigated for criminal responsibility. However, after the public security organ files a case and before the people's court makes a judgment, if all the overdraft interest has been repaid, it may be given a lighter punishment, and if the circumstances are minor, it may be exempted from punishment. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.