I owe 1 ten thousand pounds on my credit card. No, I'll go to jail. When the bank sues the debtor for failing to pay off the debt to the court, the debtor has the ability to return it. If the debtor refuses to return it after compulsory execution by the court, he may be investigated for criminal responsibility.

legal ground

Article 313 of the Criminal Law Whoever refuses to execute the judgment or ruling of the people's court when he has the ability 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; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.