1. Credit damage: Xiaoyun credit card loan is a consumer credit product. If the borrower fails to repay the loan on time, the credit record will be damaged. This will leave a bad record in the personal credit report, which will affect the qualification and quota of borrowers applying for loans, credit cards and other financial products in the future.

2. Overdue fee: The loan contract of Xiaoying Card loan usually clearly stipulates the penalty interest and late payment fee for overdue repayment. Once the borrower fails to repay the loan on time, there will be overdue fees. The calculation of overdue fees is usually calculated on a daily basis, which may lead to an increase in the amount of loans and increase the economic burden of borrowers.

3. Collection action: Xiaoying Card Loan Company usually stipulates in the loan contract the collection action that the company can take when the borrower fails to repay the loan on time. This includes telephone collection and home collection. The collection action may cause interference and trouble to the borrower's daily life and bring inconvenience and pressure to the borrower.

4. Legal proceedings: If the borrower fails to repay the loan for a long time or the overdue amount is large, Xiaoyingka Loan Company can take legal measures to pursue the legal responsibility of the borrower. In this case, the borrower may face legal proceedings and be recovered from the loan principal, interest and related expenses.

To sum up, if the repayment is not made on time, it will lead to credit damage, overdue fees, collection actions and possible legal proceedings.

Extended data:

Xiaoying Card Loan is an online loan product, which is usually provided by Xiaoying Technology. The borrower can simply and quickly complete the loan application on the mobile phone application and repay the loan according to the agreed time. Small win card loan is characterized by relatively small loan amount, which is suitable for personal daily consumption. But the borrower must repay the loan on time to avoid adverse consequences.

Please note that the above contents are for reference only, and the specific circumstances may be different due to personal credit records and contractual agreements. In practice, we should read the loan contract carefully and plan the repayment plan reasonably according to our own situation to ensure timely repayment and protect personal credit.