If it is not enough, it will be blacklisted for three consecutive months, which will prevent you from applying for credit cards and housing loans in the future. There are two kinds of credit card overdraft: one is malicious overdraft, that is, the cardholder fails to repay the minimum repayment amount and continues to overdraw, and the bank has repeatedly urged it to be repaid. The court will consider it malicious overdraft and will go to jail for suspected credit card fraud! As for how long to sit, it depends on the amount of malicious overdraft and the overdraft situation. Someone maliciously overdrawn 5000 yuan and spent half a year in prison. On the other hand, if the cardholder is really unable to repay due to temporary financial difficulties, he may be sued by the bank and asked to bear the responsibility and obligation of repayment. Even if the money is unclear, he will have a debt relationship with the bank in the future, and he will pay back the money slowly, but he will have to pay some interest, but he won't have to go to jail. According to relevant sources, through legal channels, most banks choose civil litigation, and only a few cases choose criminal reporting. The main reason is that the cardholder signed a contract with the bank in the process of handling the card. In the criminal judgment, the court basically did not consider the default interest and late payment fee. For this part of the claim, the bank can only choose another civil lawsuit to recover.