No, non-repayment on a credit card is a civil dispute and should be borne civil compensation, except for malicious overdrafts and malicious arrears.

After the credit card is overdue, you will be responsible for breach of contract, pay fines, and leave a bad record on personal inquiries, and remedial measures should be taken.

Overdue credit card is a breach of contract, and you must bear the liability for breach of contract, which will stain personal trust, be detrimental to later bank lending business, and produce overdue records in the credit report.

Consequences of overdue:

1. Bear high penalty interest;

2. Cause legal disputes;

3. In the country Leaving "credit stains" in the credit reporting system.

If the cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and fails to return the card for more than three months after being called upon twice by the issuing bank, it will be regarded as a "malicious overdraft" ". Referring to the criminal law, a malicious overdraft of more than 5,000 yuan on a credit card constitutes the crime of credit card fraud and may be sentenced to a fixed-term imprisonment of less than 3 years; a malicious overdraft of 50,000 yuan to 200,000 yuan is considered a huge amount and may be sentenced to 5 to 10 years in prison. Imprisonment; more than 200,000 yuan is considered a particularly huge amount, and the prison term is more than 10 years.