Legal analysis: If the credit card cannot be repaid due to criminal detention or imprisonment, you can entrust others to handle it on your behalf. Because the debtor is suspected of committing a crime, his personal freedom is restricted and he cannot be exempted from the responsibility of the credit card. Banks have the right to sue. It is suggested that the parties actively communicate with the bank or contact their family and friends to handle it on their behalf, otherwise it may constitute credit card fraud. Credit card overdue repayment will be recovered by the bank, and the court will include it in the list of untrustworthy people. After being released from prison or released from custody, the bank will ask for enforcement, and the court will freeze the person's property.

Legal basis: Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks. Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. The contents of personalized installment repayment agreement shall at least include: (1) balance of arrears, structure and currency; (2) the repayment period, method, currency, date and repayment amount of each installment; (three) whether to charge annual fees, interest and other fees during the repayment period; (4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled; (five) the rights and obligations of both parties and the liability for breach of contract; (6) Other matters related to repayment. If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.