How much credit card debt will lead to jail time depends on the situation.

1. A credit card that is overdue for more than 3 months may be considered a malicious overdraft;

2. A malicious overdraft amount of more than 10,000 yuan but less than 100,000 yuan may be sentenced to five years. The following fixed-term imprisonment or criminal detention, and a fine;

3. If the amount is more than 100,000 yuan but less than 1 million yuan, he may be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and also fined;

4. If you use a forged or false identity card, or fail to return the credit card after malicious overdraft, you will be suspected of credit card fraud and you will also face the risk of imprisonment.

Legal consequences of overdue credit cards:

1. Overdue records: Overdue credit cards will be recorded in the personal credit report by the bank, affecting future loan and credit card applications;

< p>2. Collection behavior: The bank will remind you of repayment through phone calls, text messages, etc., and may take collection measures;

3. Interest and penalties: Overdue repayment will generate late fees and compound interest, which will increase repayment Pressure;

4. Litigation risk: long-term overdue payment of large amounts may lead to bank prosecution and judicial proceedings;

5. Criminal liability: suspected of credit card fraud or malicious overdraft, huge amount, May face criminal liability.

To sum up, if a credit card is overdue for more than 3 months, it may be deemed as a malicious overdraft. A person with a malicious overdraft amount of more than 10,000 yuan but less than 100,000 yuan may be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and Penalty; if the amount is more than 100,000 yuan but less than 1 million yuan, he may be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and also fined; using a credit card with forged or false identity certificates, or failing to return the overdraft maliciously is suspected of credit card fraud. , will also face the risk of jail time.

Legal basis:

"Criminal Law of the People's Republic of China"

Article 196

There are the following In one of the 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 not less than five years and not more than 10 years of imprisonment. to a fixed-term imprisonment of not more than 10 years and a fine of 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 is to not less than 10 years in prison or life imprisonment and a fine of not less than 50,000 yuan but not more than 500,000 yuan. Fines or confiscation of property:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired 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.