Is it true that the bank sent a text message saying that not returning the blacklist on the credit card will affect the family medical insurance?

Pay the overdue fine of the credit card. If the cardholder fails to repay before the due repayment date (inclusive) or the repayment amount is lower than the minimum repayment amount, he shall pay the agreed late payment fee to the issuing bank according to the contract.

Generate overdue interest. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If this period is exceeded, the corresponding overdue interest will be paid.

Affect personal credit information. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records, which will not only affect future mortgage and car loans, but also affect travel and employment.

Criminal responsibility. Those who constitute the crime of credit card fraud will face fixed-term imprisonment of not more than five years or life imprisonment, fixed-term imprisonment of not less than five years and not more than 50 years, and a fine of not less than 20,000 yuan but not more than 200,000 yuan, a fine of not less than 50,000 yuan but not more than 500,000 yuan or confiscation of property.