Nowadays, most people pay by credit card. On the one hand, they can spend first and then repay, on the other hand, it is also very convenient to use. But it will also put some people who are not self-disciplined at risk of excessive consumption. After all, it is not uncommon for us to be sued or even arrested because of the huge amount of credit card arrears. So in real life, will credit cards really be caught if they are overdue? Let's take a look. Whether the credit card will arrest people after it is overdue actually depends on the overdue situation of the cardholder. Generally speaking, it will not be as serious as imprisonment, but it will force repayment and freeze the cardholder's property. If the circumstances are serious, they will be sentenced to prison. Judging from the overdue time of the borrower, the bank's collection process is as follows: the first stage: when it is just overdue, the bank generally does not collect money at this time, but only prompts the repayment period through SMS platform or telephone. The second stage: from the second billing date to the repayment date, the credit records will be uploaded to the credit information system of the People's Bank of China. The third stage: between the third billing date and the repayment date. The credit record will be stained, the bank will start to collect money, and will contact the debtor's relatives and friends to help remind the debtor to repay. The fourth stage: between the fourth billing date and the repayment date. At this stage, banks generally adopt compulsory repayment-experienced collectors will ask debtors to repay by phone, text message and lawyer's letter. The fifth stage: between the fifth billing date and the repayment date. At this stage, it is mainly to make face-to-face repayment and contact the cardholder's household registration for help, find relatives or friends to inform, and indirectly put pressure on overdue customers. Stage 6: In this case, most accounts can't contact the cardholder at all, and the bank will prepare to sue and take legal procedures. Therefore, judging from the collection process of banks, banks generally do not directly report to the police to arrest people, and banks will only file legal proceedings. As for whether to arrest people, it depends on the outcome of the lawsuit. In other words, only when the judgment of the court is executed will the police cooperate with the court to arrest people. The credit card has not been paid yet. If the perpetrator is malicious, steals the card, or maliciously overdraws, it constitutes the crime of credit card fraud. The perpetrator should be subject to criminal punishment according to law. If the circumstances are minor, he may not need to go to jail, but in most cases, he will go to jail.