Overdue bank credit cards generally do not go to jail. Bank credit card overdue is a civil dispute, and generally only needs to bear civil liabilities such as timely repayment of principal and interest and compensation for losses. However, if the debtor maliciously overdraws and intentionally swindles, it may constitute the crime of credit card fraud.

Legal objectivity:

People's Republic of China (PRC) Civil Code

Article 676

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

People's Republic of China (PRC) Civil Code

Article 678

The borrower may apply to the lender for extension before the repayment period expires;

If the lender agrees, it can be extended.

People's Republic of China (PRC) Civil Code

Article 667

A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.