Legal analysis: if the credit card is overdue for two times, or overdue for three months, the bank will sue, and once the case is filed, the police will soon arrest people. If the overdue amount is huge and refuses to pay back, it constitutes a crime of credit card fraud and will definitely go to jail. Therefore, if your credit card is seriously overdue and is filed by the Public Security Bureau, there will usually be a three-day investigation period. After investigation and verification, the police will be sent to arrest people.

Legal basis: Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 10 If the amount of malicious overdraft is large and it has been fully returned before public prosecution is initiated, or there are other minor circumstances, public prosecution may not be initiated; If all of them are returned before the judgment of first instance or there are other minor circumstances, they may be exempted from criminal punishment. Except for those who have been punished for credit card fraud for more than two times.