Legal subjectivity:

Civil disputes do not lead to jail time. If you commit fraud in the name of borrowing money and it is found to be fraud, you may be jailed. First, loan disputes are only civil disputes and will not lead to criminal liability, let alone jail time (unless they are suspected of fraud); second, if they are suspected of criminal liability, such as fraud, then criminal liability and civil liability are not the same. Even if a person has indeed been punished, he still cannot avoid civil liability; thirdly, if he has already bear the corresponding criminal liability, he cannot be punished again for the same matter. Article 266 of the Criminal Law: Whoever commits the crime of defrauding public or private property and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or solely be fined; if the amount is huge or there are other serious circumstances, he shall be sentenced to three years in prison The offender shall be sentenced to fixed-term imprisonment of not less than 10 years and not more than 10 years and shall also be fined; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment and shall also be fined or his property shall be confiscated. If this law provides otherwise, the provisions shall prevail. Legal objectivity:

Article 196 of the "Criminal Law" The crime of credit card fraud falls under any of the following circumstances. If the amount of credit card fraud is relatively large, the person shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be sentenced to: 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, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other special circumstances If the circumstances are serious, the person shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identity certificates. ; (2) Using an expired credit card; (3) Using someone else’s credit card fraudulently; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.