Legal analysis: you can entrust your relatives and friends to pay instead. Repay yourself after you are released from prison. In this case, you can repay it by yourself after you get out of prison. However, the penalty interest, interest and liquidated damages of the credit card during the prison term are still in the process of calculation. After release, you can negotiate with the bank to pay less or not to pay the relevant fees to reduce the relevant fees.

legal basis: article 675 of the civil code of the people's Republic of China, the borrower shall repay the loan within the agreed time limit. If the loan term is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 51 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.

article 676 if the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

article 677 if the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period.

article 678 the borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.