Your question is, in a word, you won't go to a debt collection company.
1, the bank may sue at any time, regardless of the length of default;
2. Only when the amount of the principal owed reaches more than 1 10,000 yuan, and it is not returned by the issuing bank for more than 3 months, it is considered as "malicious overdraft" in the criminal law and is suspected of credit card fraud. According to the law, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall be fined not less than 20,000 yuan but not more than 200,000 yuan;
3. Overdue repayment will be recorded in the personal credit report, but negative information such as overdue repayment is not always 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.
To sum up, it is recommended to return it as soon as possible.