After more than 200 thousand years of credit card debt, the money is still not paid. Sentence is to bear criminal responsibility, and paying back money is to bear civil responsibility. There is no conflict between them. If the cardholder is really unable to repay the loan, he can apply to the bank for installment or deferred repayment, but it must be approved by the bank. And if the cardholder fails to pay back within the time limit, the bank can recover the debt through litigation and other means according to law.

Legal objectivity:

Article 676 of the Civil Code of People's Republic of China (PRC) If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state. Article 678 of the Civil Code of People's Republic of China (PRC), the borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended. Article 120 of the Civil Procedure Law of People's Republic of China (PRC) shall submit a copy of the complaint to the people's court according to the number of defendants. Article 236 of the Civil Procedure Law of People's Republic of China (PRC) stipulates that a legally effective civil judgment or ruling must be fulfilled by the parties concerned. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the person subjected to execution for execution. Article 244 of the Civil Procedure Law of People's Republic of China (PRC) stipulates that if the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to seal up, detain, freeze, auction or sell off the property that the person subjected to execution should perform the obligations. However, the necessities of life of the person subjected to execution and his dependents shall be retained.