Criminal liability and civil liability are separate, and imprisonment does not exempt civil liability for compensation. Therefore, after you are released from prison, you still have to repay the loan. You can choose to repay it in installments, so that you can pay it off. If you still haven't paid it off by a certain period, the bank will continue to sue, and you may still have to go to jail.

"Criminal Law"?

Article 196: The crime of credit card fraud falls under any of the following circumstances. If the amount of credit card fraud is relatively large, he shall be sentenced to a fixed-term imprisonment of not more than five years. Imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence is not less than five years but not more than 10 years of fixed-term imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; If the offense is particularly serious or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation.

Credit card fraud:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using Capped credit cards;

(3) Pretending to use other people’s credit cards;

(4) Malicious overdrafts.

Extended information:

1. The main legal consequences of not repaying credit card debt are:

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.

According to Article 266 of the Criminal Law, the crime of fraud refers to the act of defrauding a relatively large amount of public or private property by fabricating facts or concealing the truth for the purpose of illegal possession. Anyone who commits this crime shall, depending on the amount of fraud, be sentenced to main penalties such as surveillance, criminal detention, fixed-term imprisonment, life imprisonment, and death, as well as additional penalties such as fines or confiscation of personal property. There is no order to repay the victim's economic losses.

The repayment situation is only used as a basis for a lighter punishment before sentencing. After the sentencing, it may be used as a basis for showing remorse. Combined with other circumstances, it will have an impact on whether the sentence is reduced.

2. The impact of non-repayment on credit cards:

1. It will have an impact on future credit card applications;

2. It will have an impact on the approval of future loans to buy houses, cars, etc. The loan limit will be affected;

3. It will have an impact on the interest on future loan repayments;

4. It will have an impact on the normal use of the credit card and may be frozen and deactivated;

5. If you are overdue more seriously, you will be blacklisted by the bank and become a black account, and you will not be able to apply for loans in the future;

6. If you do not repay the money you owe, you are likely to be The bank sued.

Reference materials:

Criminal Law-Baidu Encyclopedia

Credit Card Fraud-Baidu Encyclopedia