Legal Subjectivity:

If you owe 100,000 yuan on a credit card and are unable to repay it, you can negotiate with the bank to extend the repayment period, or pay off the minimum balance in installments first, or owe it to relatives and friends. money repaid. If it is an ordinary debt, it is a civil act and does not require a prison sentence. Anyone who obtains a credit card fraudulently with false identity certificates; uses other people's credit cards to commit credit card fraud, or maliciously owes 100,000 yuan, shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall be fined from 50,000 yuan to 500,000 yuan. Legal objectivity:

"Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 The cardholder exceeds the prescribed limit or regulations for the purpose of illegal possession. If a time-limited overdraft is not returned for more than three months after two effective calls by the card-issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Whether the purpose of illegal possession is for illegal possession shall be determined based on the cardholder's credit record, repayment ability and willingness, status of applying for and overdrafting the credit card, purpose of overdraft funds, performance after overdraft, reasons for failure to repay as required, etc. judge. The purpose of illegal possession shall not be determined solely based on the fact that the cardholder failed to repay the loan as required.