Credit card arrears and being sentenced to jail are two different things. The payment can be offset, there is no such thing.

Normally, you will not go to jail for owing money on your credit card. You will only go to jail if you commit a criminal offense.

Under normal circumstances, assuming that the amount you owe to a credit card is relatively small, for example, less than 10,000 yuan, many banks will not sue you to the court. If the bank sues you to the court, it means that you The debts are serious. Generally, they are overdue for more than half a year, and the overdue amount exceeds 10,000 yuan. Some banks will only sue the debtor if the overdue amount exceeds 50,000 yuan.

Suppose a certain person is sued by the bank to the court, it must be because his debt amount is relatively large and the debt period is relatively long.

Credit card bills will not be canceled because you are sentenced to jail. You will still have to pay them after you are released from prison.

In many people’s understanding, when they owe a credit card bill, many people will say that if they don’t pay it back, the worst they can do is go to jail. They think that the credit card bill will be eliminated after going to jail. That’s what everyone thinks. Too simple.

Assuming that all credit card debts can be offset after being imprisoned, then everyone no longer has to work hard, but can go to major banks to apply for a credit card worth hundreds of thousands or millions, and then all If you pay it forward, even if you are sentenced to five years, you will still have an average income of more than 100,000 or 200,000 yuan per year. This is a business that is sure to make money without losing money.

So in reality this kind of loophole is impossible, and credit card arrears and being sentenced to jail are two different things. Credit card arrears are civil obligations, generally refer to the Civil Code, Contract Law, etc. According to relevant laws, as long as you do not commit the crime of credit card fraud or refuse to comply with the court's judgment, you will not be sentenced to jail. Under normal circumstances, the court mainly focuses on mediation, and the bank negotiates with the debtor to repay the debt. payment.

If we are sentenced to jail, it must be because we have committed a criminal offense, that is, committing the crime of credit card fraud or refusing to comply with a court judgment. However, this criminal offense and civil liability are independent of each other. , it won’t be because you go to jail that you won’t have to pay back all your credit card debts.

If you still haven’t paid off your credit card bill after being imprisoned, even if you are released, the bank still has the right to ask you to lend the credit card bill. If you are able to lend the bank’s credit card bill by then, But you still refuse to lend, and even transfer, hide, or transfer assets under your name at a low price to avoid bank collection, then you may still be sentenced to jail.