Legal analysis: Borrowing is a civil act and generally does not involve imprisonment. If the party owes money to the credit card and is unable to repay it, the bank will sue the court, and the court will inquire about the money in the name of the party. If the parties have no money to implement it, they will generally be included in the list of untrustworthy people, which will have a certain negative impact on the lives of the parties. If a party has the ability but does not execute the court judgment, he is suspected of refusing to execute the judgment or ruling and may go to jail.

Legal basis: Article 313 of the Criminal Law of People's Republic of China (PRC) refuses to execute the judgment or ruling of the people's court, and if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.