If the subject of the question has repeatedly failed to pay the due amount, and the bank has called for it twice and still has not paid, he will be held criminally responsible and may be imprisoned.

1. Will you go to jail for owing a credit card?

If you maliciously overdraw your credit card and refuse to repay, you will not only have to pay high interest, but you may also go to jail!

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A malicious overdraft is a credit card holder who overdrafts the amount owed by the bank beyond the specified limit and time. If the bank has not paid back the amount for more than three months after two collections by the bank, it violates Article 196 of the Criminal Law. For malicious overdrafts, if the cardholder chooses to repay all the overdraft interest after the public security organ files a case before the People's Court pronounces its judgment, he may be given a lighter punishment. If the circumstances are not serious, he may be exempted from punishment.

2. The conditions for credit card holders to be held criminally responsible are:

1. The credit card holder overdrafts the credit card by more than 10,000 yuan;

2. Repeated overdue repayments;

3. If the bank calls the cardholder for repayment twice and the cardholder still fails to repay, the cardholder shall constitute committed a crime. In the above circumstances, the credit card holder will be held criminally responsible.

3. How much will you be jailed for if you owe a credit card?

According to Article 6 of the "Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards", within 10,000 yuan If the amount is less than 100,000 yuan, the credit card holder has committed a crime and will be held criminally responsible by the bank.

According to relevant laws, a malicious overdraft of more than 80,000 yuan is considered a relatively large amount. According to Article 196 of the "Criminal Law", one may be sentenced to fixed-term imprisonment of not more than five years and fined between 20,000 yuan and 200,000 yuan. between yuan.

Extended information

If it is a China Merchants Bank credit card, if the minimum payment of the bill is not paid in time before the due payment date, late payment fees and interest will be charged, and personal credit will be affected. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period from the accounting date (usually the next day after consumption), with a daily interest rate of 0.05% until all is paid off. ?To avoid affecting personal credit, it is recommended to repay the bill on time. If it is not convenient to pay off the bill in full, please pay at least the minimum repayment amount on time. ?Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud activities under any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan and 20,000 yuan. A fine of not more than 10,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years. A prison term of not less than 1 year or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. ?The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. ?Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.