If you fail to repay a certain amount on your credit card, you will be prosecuted and will go to jail.

Prosecution refers to the litigation behavior in which citizens, legal persons or other organizations file lawsuits in their own names in the People's Court in accordance with the law and request the People's Court to judge when their civil rights and interests are infringed or civil disputes arise.

A malicious overdraft of a credit card reaching a certain amount will constitute a criminal offense and the bank will prosecute the case to the public security organs. The crime of credit card fraud refers to the act of using credit cards to conduct fraudulent activities for the purpose of illegal possession, violating credit card management regulations, and defrauding a large amount of property.

What are the consequences of not repaying a credit card loan?

1. If the debtor refuses to repay, he is likely to be sued by the creditor;

2. If the creditor sues to the court and obtains a successful judgment, but the debtor still fails to perform, the creditor may apply for Enforcement, the court will take enforcement measures against the debtor to realize the creditor's claims.

Legal basis:

"Criminal Law"

Article 196

Carry out credit card fraud under any of the following circumstances If the amount is huge or there are other serious circumstances, the sentence is to be not less than five years but not more than 10 years of fixed-term imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be 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, or property confiscation:

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

(2) Using an expired credit card;

( 3) Fraudulent use of 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. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.