Yes. Overdue interest on credit cards in jail can be waived through negotiation with the bank. Because the cardholder does not have the ability and conditions to repay the credit card debt while in prison, if the bank continues to charge interest during this period, the cardholder can bring the relevant certificates to the business branch of the cardholder bank to lodge a complaint after he is released from prison. But usually banks will automatically suspend cardholders who are in jail.

The debtor's inability to repay the credit card loan is a breach of contract. Being detained for suspected illegal crimes is caused by the debtor's own behavior and cannot be a reason to waive late payment fees and penalty interest. However, after being released, you can apply to the bank for exemption of late payment fees and penalty interest with the release certificate. Whether the bank agrees to the exemption depends on the bank's attitude. After a credit card is overdue, if the customer really cannot pay it back, they can contact the card-issuing bank to apply for an interest suspension. If the bank allows it, then the overdue balance will no longer accrue interest, and a certain amount of interest will naturally be reduced. After all, if you don’t apply for a suspension of interest rates, overdue debts will continue to accrue penalty interest, and customers will have to pay more and more. However, it should be noted that even if you apply for an interest suspension, the penalty interest incurred before the application will not be waived, but will still be recorded on the account together with the principal of the debt. The customer needs to follow the repayment plan negotiated with the bank. Operation repayment.

Of course, it does not mean that if a customer applies to the card-issuing bank to suspend interest rates, the bank will definitely allow it. Banks also have to consider the customer's financial income and repayment ability. Unless the customer really has no ability to repay and his credit is not bad, then the bank may agree. Therefore, when customers apply, they must remember to explain their personal situation to the bank in detail. It is true that they do not have the money to repay, and it is not malicious failure to repay after the due date. They must also provide corresponding supporting information. For example, if you are unemployed at home, you can provide unemployment certificate, Proof of termination of the labor contract, etc., and you must also show your willingness to actively repay the loan. In this case, the bank will consider it as appropriate. If the procuratorate finally decides not to prosecute or the people's court makes an effective judgment that it is not criminally responsible, and the debtor is unable to entrust immediate family members to pay for it during this period, it can claim to apply for reasonable reduction or exemption.

Legal basis:

"Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Article 52 The card-issuing bank shall establish a credit card business risk management system. The card-issuing bank learns from the public security organs, judicial organs, the cardholder himself, relatives, transaction monitoring or other channels that the cardholder's identity document has been stolen, his family's financial situation has deteriorated, his repayment ability has declined, his reserved contact information has expired, and his credit status has deteriorated. , when there is risk information such as abnormal card usage behavior, you should immediately stop operations that may increase credit risks, such as increasing the credit limit, authorizing card services beyond the credit limit, authorizing installment business, etc., and take measures to increase transaction monitoring and reduce the credit limit as appropriate. , stop payment, freeze or implement risk management measures such as second source of repayment.