Generally, you will not go to jail if your credit card is overdue by 6,000. The law stipulates that only if the amount of malicious overdraft exceeds 10,000 yuan, a case will be filed for prosecution. If you owe 6,000 yuan, the bank will usually file a civil lawsuit and require the cardholder to pay off the outstanding amount. Malicious overdraft refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the card for more than three months after being called upon twice. For those who are truly unable to repay, cardholders can also apply to the bank for deferred repayment or installment repayment to avoid affecting their credit score.

Legal Basis

"Provisions on the Standards for Filing and Prosecution of Criminal Cases under the Jurisdiction of Public Security Organs (2)" Article 54 [Credit Card Fraud Cases (Criminal Law Article 196 Article)] who engages in credit card fraud and is suspected of any of the following circumstances shall be prosecuted:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification, or using an invalid credit card or fraudulently use other people’s credit cards to engage in fraudulent activities, with the amount exceeding 5,000 yuan; (2) Malicious overdrafts, with the amount exceeding 10,000 yuan.

The "malicious overdraft" stipulated in this article refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return it for more than three months after being called upon twice. .

If there is a malicious overdraft, the amount is more than 10,000 yuan but less than 100,000 yuan, and all the overdraft interest has been repaid before the public security organ files the case, and if the circumstances are obviously minor, criminal liability may not be pursued according to law.