Won’t go to jail.

Notes:

1. In China, online loans and credit card debts are civil disputes and usually do not result in criminal penalties.

2. If the debtor is unable to repay, he may face collection actions, such as telephone collection, door-to-door collection or legal proceedings, but these are civil procedures, and breach of contract itself will not directly lead to criminal liability.

3. Although overdue payment is a breach of contract, under normal circumstances, the debtor will not be sentenced for this. Relevant laws focus more on protecting the rights and interests of creditors and recovering arrears through legal means.

4. If the debtor deliberately avoids repaying the debt, he may violate other relevant laws, such as criminal activities such as fraudulent loan fraud, and may face criminal liability.

5. It is recommended that when facing inability to repay, you should actively communicate with your creditors and seek professional legal advice as soon as possible to solve the debt problem.

Summary:

In China, inability to repay online loans and credit cards usually does not directly lead to jail time, but falls within the category of civil disputes. Debtors should properly handle debt issues, actively communicate with creditors, and seek legal advice as soon as possible to resolve debts.