1. How can I repay the loan in installments after spending 1, yuan on a credit card?

1. You can take the initiative to negotiate with the bank about "personalized installment" or "secondary installment business" after the payment is overdue, and an agreement is reached through friendly negotiation, with a maximum of 6 installments, but it has been overdue.

2. Negotiating repayment with banks requires strong financial knowledge, professional legal knowledge, certain negotiation ability and perseverance, and more contact with bank customer service, so it is difficult for individual users to negotiate successfully with platform banks in general.

you can contact a lawyer, who will help you negotiate with the platform, and strive for deferred repayment or suspension of payment for you.

second, if the credit card owes 12, yuan, will it not be sued if it goes bankrupt?

It is possible to be sued.

the borrower is obliged to repay the principal and interest of the borrowed funds on time. If it fails to return or maliciously breaches the contract, in addition to overdue interest, it will also be sued by the platform for payment of liquidated damages. It needs your active response. If you disappear, it may affect your personal credit, so don't lose contact.

I suggest that you actively cooperate, get in touch with lawyers in time, and avoid entering the proceedings, otherwise, once you file a lawsuit, it may bring more unfavorable factors.

3. Will you go to jail if you are sued for credit card arrears for 6 months?

It is possible to go to jail if your credit card overdraft is overdue for more than 3 months, mainly according to the following points:

1. According to the criminal law, if you engage in credit card fraud and overdraw maliciously, you should file a case for prosecution. Malicious overdraft means that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being twice collected by the issuing bank;

2. Whether to go to jail depends on the overdue amount and whether it is overdrawn maliciously. If the overdue amount is more than 1, and less than 1,, it will constitute a large overdraft. If it is overdrawn maliciously, it will constitute a crime of credit card fraud and be sentenced to fixed-term imprisonment of not more than five years or criminal detention.

3. If the overdraft amount is paid off before the public security organ files a criminal case, the circumstances are obviously minor, and criminal responsibility may not be investigated according to the law;

4. Whether to constitute a crime or not and how to deal with it need to analyze the detailed case in all aspects. Each party's situation is different. I suggest you consult a lawyer to communicate the details of the case in detail, and the lawyer will give you the best advice after the analysis.