1. What should I do if the credit card debt is more than 1, yuan?

You can take the initiative to contact the bank to apply for an extension. If the bank agrees, you can repay the loan according to the agreed new repayment date, or you can borrow money from friends and relatives first to ensure that the minimum repayment amount can be paid before the repayment date (inclusive). If it cannot be repaid before the repayment date (inclusive), at least the minimum repayment amount should be guaranteed within the repayment grace period. Because only in this way will it not be counted as overdue by the bank, which will affect the personal credit.

if you find that you can't repay the current bill, you should also handle the installment as soon as possible, otherwise it will be too late to wait until the repayment date when you have no money and can't divide the installment. After the installment, at least the repayment pressure can be suspended.

People should be rational when using credit cards, and don't blindly swipe their cards. Once the consumption amount exceeds one's repayment ability, it will bring great repayment pressure. If it is not overdue, it will be reported to the central bank's credit information system, leaving a bad credit record on the personal credit information report.

Second, will you go to jail if you don't use the credit card?

Yes, the credit card won't go to jail. If the credit card is overdue for more than three months or the bank makes more than two reminders, the bank will freeze the card and list it as a prohibited customer (blacklist). At the same time, it will also sue for credit card fraud and malicious overdraft, which will be enforced by the court. If a person refuses to repay the loan after prosecution and the amount owed exceeds 1,, the court will mete out punishment according to the crime of credit card fraud.

The following aspects should be considered when suing a credit card:

1. Subjectively, whether the credit card limit is overdrawn maliciously.

2. Whether the amount owed reaches the scope of criminal responsibility.

3. There is no repayment behavior for more than 3 months after more than two collections.

if it's simply overdue, it doesn't constitute a crime to return it by yourself or immediately after being collected by the bank, but it will pay overdue interest and affect credit. If the credit card is overdrawn in bad faith, the unpaid principal amount is 5, yuan or more, which constitutes the crime of credit card fraud and may be prosecuted by the procuratorate.

if you owe a credit card, you don't need to explain the situation to the bank and go through the formalities of installment repayment. If the issuing bank refuses to repay the credit card debt after two times of collection, the cardholder will be investigated for legal responsibility and can be convicted and punished according to the crime of credit card fraud. If the credit card is overdue for more than 6 times in two years, the cardholder will be classified as untrustworthy, and cannot apply for provident fund loans or continue to use the credit card.