If you owe 90,000 on your credit card, you will be jailed depending on the situation.
1. If credit cards and credit lines are processed in a reasonable, compliant, and legal manner without false elements and information and does not constitute fraud, it will not violate criminal law and will not go to jail. That is civil Debt disputes;
2. The bank may sue the court, and the court can enforce the confiscation of reasonable property. If a large number of card applications are made, malicious overdraft constitutes the crime of credit card fraud, which will involve criminal cases. You may be prosecuted by the prosecutor's office and may be imprisoned.
The details of non-repayment of credit card debt are as follows:
1. If the credit card is not repaid, the cardholder will no longer enjoy the interest-free period of the credit card and will be charged 10,000 points per day starting from the day of consumption. Five-fifths of the interest is compounded on a monthly basis. A debt of tens of thousands of yuan will generate thousands of yuan in interest within a few days. The longer the time, the higher the interest;
2. Credit card interest-free If the repayment is not made on time, the bank will charge a late payment fee to the credit card holder. The late payment fee is 5% of the unpaid portion of the minimum repayment amount. After a certain period of time, the bank will charge a higher penalty interest to the cardholder.
In summary, if credit cards and credit lines are processed in a reasonable, compliant, and legal manner without false elements and information that does not constitute fraud, it will not violate criminal law and will not go to jail. That is the issue of civil debt disputes. The bank may sue the court, and the court can enforce the confiscation of reasonable property. If a large number of card applications are made, malicious overdraft constitutes the crime of credit card fraud, which will involve a criminal case and may be prosecuted by the procuratorate, and Possible jail time.
Legal basis:
Article 196 of the Criminal Law of the People's Republic of China
The crime of credit card fraud involves one of the following circumstances: Whoever commits credit card fraud 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 but not more than 200,000 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 shall also be fined 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, the sentence shall be not less than 10 years of fixed-term imprisonment or life imprisonment, and also a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation. :
(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;
(2) Using an invalid credit card;
< p>(3) Pretending to use other people’s credit cards;(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 for the crime of theft shall be convicted and punished in accordance with the provisions of Article 264 of this Law.