You don't have to go to jail if you owe 80 thousand credit cards. If you just fail to repay on time, it is not a malicious overdraft, and you will be prosecuted by the bank in civil, and you will not be investigated for criminal responsibility; For the purpose of illegal possession, if the overdraft exceeds the prescribed limit or time limit, and the card-issuing bank fails to return it for more than three months after two collections, it will be regarded as malicious overdraft and will be investigated for criminal responsibility. If the amount of malicious overdraft stipulated by law is more than 50,000 yuan but less than 500,000 yuan, it shall be deemed as a relatively large amount stipulated in Article 196 of the Criminal Law.

legal ground

Article 54 of the Provisions on the Standards for Criminal Cases under the Jurisdiction of Public Security Organs [Credit Card Fraud (Article 196 of the Criminal Law)] If a person is suspected of credit card fraud, he shall file a case for prosecution under any of the following circumstances:

(1) Using forged credit cards, or using forged identity documents to defraud credit cards, or using invalid credit cards, or fraudulently using other people's credit cards to engage in fraudulent activities, with an amount of more than 5,000 yuan;

(2) Malicious overdraft, the amount of which is more than 1 10,000 yuan.

The term "malicious overdraft" as mentioned in this article refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than three months after being repeatedly urged by the issuing bank.

Malicious overdraft, the amount of which is more than 1 10,000 yuan but less than110,000 yuan, has been fully repaid before the public security organ files a case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.