Legal analysis: I won't go to jail, but I will bear relevant legal responsibilities. If the bank does sue the court, it should actively respond. Being sued by the bank to the court is not terrible. The court is a fair organization place. Under normal circumstances, it will not take sides, and all judgments will be executed according to law. The credit card has not been returned, which is a civil dispute and will not constitute a criminal offence. Don't worry too much. After receiving the court summons, you only need to actively respond to the lawsuit within the specified time.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.