Legal analysis: because credit card arrears can't afford to go to jail, you still have to pay it back when you get out of prison. Being sentenced for credit card arrears constitutes a crime of credit card fraud. After the parties are sentenced and served by the court, they are investigated for criminal responsibility only because their actions constitute a crime. However, if the parties have already assumed criminal responsibility, they cannot be exempted from their civil liability for repayment. After the parties bear the criminal responsibility for the crime of credit card fraud due to credit card arrears, they still have the civil obligation to repay the credit card arrears, and the corresponding issuing bank, as a creditor, still has the right to ask the parties to repay the credit card arrears.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and 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 ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.