First, won't credit cards go to jail?

Failure to return the credit card may lead to imprisonment, but it is also judged according to the overdue amount and overdue time.

Under normal circumstances, the overdue amount is large, the principal is more than 654.38+10,000 yuan, and the overdue time is more than three months. After two effective reminders from the bank, it is a malicious overdraft of credit cards, which constitutes the crime of credit card fraud.

If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years; if the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than five years 10 years. However, it is worth noting that if all the arrears are paid in time before the judgment, it is very likely that criminal punishment will be reduced and exempted.

Second, what serious consequences will credit cards have?

1. Impact on career development: If the credit card is overdue, the bank may notify the work unit, which will affect the personal career development in the unit.

2. Entering the blacklist of credit information: if the credit card is overdue seriously and has not been repaid under the supervision of the bank, it is very likely that it will enter the blacklist of credit information and become a untrustworthy person, which will affect its future appearance and prevent it from traveling by plane, high-speed rail and other means.

3. Being sued by the bank: If the credit card is overdue for more than three months, the bank has the right to sue the court, and the court will take property preservation measures such as freezing the cardholder's credit card deposits to reduce losses.

4. Being sanctioned by law: If the credit card is overdue, but the cardholder refuses to repay it, he will be sanctioned by law and bear criminal responsibility.

Third, how to solve the credit card problem?

1. You'd better continue to use this card: if the credit card is unavailable, don't cancel it. The best way is to continue to use this card and cover the previous bad credit record with a good normal repayment record. Generally, a new credit record will be generated after 24 months.

2. Never run away: overdue credit cards will result in high interest charges. If you don't pay it back all the time, the interest will be a big expense. If you run away, the bank will judge that the cardholder is maliciously overdue and will call the police.

3. If the cardholder is unable to repay the debt due to unemployment, accidents and other special reasons, he/she needs to explain his/her financial situation to the bank to show that he/she is not maliciously overdue and apply for an extension of installment repayment.

Credit is precious, use it well and cherish it! Everyone uses credit cards in their daily life. Never spend blindly. We must consume rationally. Once overdue, don't run away and lose contact. You should take the initiative to keep in touch with the bank, actively solve it, sign a personalized installment repayment agreement, repay it on time every month, work hard to make money and go ashore as soon as possible.

If it is overdue, the interest will rise. Professional lawyers teach you to stop paying bills, avoid high interest rates and solve repayment troubles.