Criminal liability is separated from civil liability, and imprisonment does not exempt civil liability for compensation. Therefore, after coming out of prison, you still have to pay back, and you can choose to pay back in installments, so that you can pay off. If you still don't pay off within a certain period of time, the bank will continue to sue and may still go to jail. \xd\ The legal consequences of failing to repay the credit card are as follows: \xd\1. High overdue interest will be generated. \xd\2. The bank will sue the court, resulting in economic losses such as litigation costs and lawyer fees. \xd\3. Individuals will have bad credit records, which will have an impact on bank cards and loans in the future. \xd\4. If the amount owed is more than 1, yuan, it constitutes the crime of credit card fraud and shall be investigated for criminal responsibility. \xd\ Criminal Law \xd\ Article 196 The crime of credit card fraud is committed under any of the following circumstances, and if the amount involved is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, 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 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan or confiscated property.