No.

Inability to repay bank loans is just a civil dispute and will not lead to jail time. However, if one has the ability but refuses to execute the sentence, he is suspected of refusing to execute the judgment or ruling. The law stipulates that anyone who is capable of executing a judgment or ruling of a people's court but refuses to execute it, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, or a fine.

Relevant knowledge supplement:

1. Article 196 of the "Criminal Law of the People's Republic of China": The crime of credit card fraud involves any of the following circumstances: Those who engage in fraudulent activities if 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, they shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined 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 person shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated: < /p>

1. Using a forged credit card, or using a credit card fraudulently obtained with false identification.

2. Using an expired credit card.

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.

2. What are the legal consequences of overdue credit card repayment?

1. High overdue interest will be incurred.

2. The bank will sue you in court, which will incur economic losses such as litigation costs and attorney fees.

3. Individuals will have bad credit records, which will have an impact on future bank cards and loans.

4. If the amount owed exceeds 10,000 yuan, it constitutes a crime of credit card fraud and will be held criminally responsible.

3. How to sue for overdue credit card repayment?

1. Prepare a civil lawsuit.

2. Bring a lawsuit to the people's court with jurisdiction and submit relevant evidence materials.

3. Attend and participate in litigation activities on time according to the notice of the People's Court.

4. If you are dissatisfied with the first-instance judgment or ruling, you should appeal to the original People's Court or the People's Court at the next higher level within 15 days after receiving the judgment or within 10 days after receiving the ruling, and submit an appeal petition. ”

Under normal circumstances, when cardholders use credit cards to make purchases, they should consider their repayment ability. For example, the monthly income is only a few thousand yuan, but the overdraft amount when using a credit card is tens of thousands of yuan. , this situation is suspected of malicious overdraft of the credit card. If it is not a malicious overdraft of the credit card, you will not be held criminally responsible for overdue repayment of the credit card.