Legal analysis: If the credit card cannot be repaid due to criminal detention or imprisonment, you can entrust others to handle it. The debtor can't be exempted from the responsibility of credit card because he is suspected of committing a crime and his personal freedom is restricted. The bank has the right to sue. It is recommended that the parties actively communicate with the bank or contact family and friends to handle it on their behalf, otherwise it may constitute credit card fraud.

Legal basis: Article 195 of the Criminal Law of the People's Republic of China commits fraud by letter of credit under any of the following circumstances, and 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 his property shall be confiscated: < P > (1) Using forged or altered letters of credit or accompanying documents and documents;

(2) using an invalid letter of credit;

(3) defrauding the letter of credit;

(4) fraudulent letter of credit activities are conducted by other methods.