Legal analysis: generally, you won't go to jail. The main consequence of credit card failure is: 1, which will generate high overdue interest. 2. Will be sued by the bank to the court, resulting in legal fees, attorney fees and other economic losses. 3. Individuals will have bad credit records, which will have an impact on future bank cards and loans. 4. The amount owed is more than 6,543,800 yuan, which constitutes the crime of credit card fraud and should be investigated for criminal responsibility. Legal Basis: Judicial Interpretation of the Supreme Court on Credit Card Crimes Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than 3 months after repeated collection by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.