1. If you owe 4,000 yuan on a CITIC credit card and have not repaid it, it is a civil dispute and you will not go to jail;\x0d\2. The debtor’s overdue repayment record will be recorded in the personal credit report, but there are negative consequences such as overdue repayment. Information is not permanently recorded in an individual's credit report. my country's current credit record retention period is five years. After paying off the balance, anyone can start building their credit history all over again. \x0d\\x0d\ 3. Legal basis: "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 exceeds the prescribed limit for the purpose of illegal possession or If an overdraft is made within a prescribed time limit and is not returned for more than three months after being called upon twice by the card-issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. \x0d\If one of the following circumstances occurs, it shall be deemed as "illegal possession for the purpose" as stipulated in the second paragraph of Article 196 of the Criminal Law: \x0d\ (1) Overdrawing a large amount of money while knowingly knowing that there is no ability to repay, and unable to Returned; \x0d\ (2) Wanton squandering of overdraft funds that cannot be returned; \x0d\ (3) Escape, change contact information, and evade bank collection after overdraft; \x0d\ (4) Escape, transfer funds, and concealment Property and evading repayment; \x0d\ (5) Using overdraft funds to carry out illegal and criminal activities; \x0d\ (6) Other behaviors of illegally possessing funds and refusing to return them. \x0d\A malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be It shall be determined as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 1 million yuan, it shall be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law. \x0d\The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not yet been returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees and other fees charged by the card-issuing bank. \x0d\ Malicious overdrafts should be investigated for criminal liability, but if all the overdrafts and interests have been repaid after the public security organ files the case and before the People's Court's judgment is pronounced, they may be given a lighter punishment. If the circumstances are minor, they may be exempted from punishment. If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law