Legal analysis: Generally, I will negotiate repayment with my family, but I have no right to force my family to repay. Cardholders still need to return their credit cards during their stay in the detention center. During his sentence, the cardholder is likely to negotiate with his family and ask for repayment. If you have been in prison for a long time, there is really no one to help you repay. The bank will write off the cardholder's debt as a non-performing loan, but it will still be kept for future recourse.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.