Detailed description:

1. The debt owed to the credit card is a civil dispute, not a criminal act.

2. After the debt expires, the bank can take legal measures to recover the debt, but it will not lead to jail.

Individuals who are unable to repay their debts can solve the problem by consulting with banks and applying for debt restructuring.

Summary:

Debt owed to credit cards will not lead to imprisonment, but debt disputes can be resolved through legal channels.

Extended data:

China's "Contract Law" and "Creditor's Rights Law" stipulate the procedures of debt recovery and rights protection measures. Therefore, in the face of the debt problem, it is suggested to contact the bank in time and actively negotiate solutions to avoid unnecessary legal disputes. At the same time, you can also seek the help of legal aid agencies and get relevant legal advice and guidance.

Supplementary information:

If the debt exceeds the limit set by the bank or the default time is too long, the bank may apply to the court for a judgment and take judicial compulsory measures to recover the debt. In this case, there will be formal documents such as court summons to inform the debtor and ask him to participate in the corresponding legal proceedings. However, even at this stage, the debtor still has the opportunity to safeguard his rights and interests through reasonable explanation and defense.