Legal analysis: it will not be detained at once, because it is a civil dispute to be sued for overdue credit cards. After the bank fails to collect money, the next method is to sue the court and protect their rights and interests through legal means, so the borrower is likely to receive a subpoena from the court and take it to court. At that time, the borrower may use his existing property to repay the loan. Moreover, when the borrower still feels unable to repay the money and refuses to carry out the court's judgment, the court may investigate his criminal responsibility, and in serious cases, he may be sentenced to jail.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 17 The basic people's courts shall have jurisdiction over civil cases of first instance, except as otherwise provided by this Law.

Article 18 The Intermediate People's Court shall have jurisdiction over the following civil cases of first instance:

(1) Major foreign-related cases;

(two) cases that have a significant impact in the region;

(3) Cases determined by the Supreme People's Court to be under the jurisdiction of the Intermediate People's Court.

Article 119 A prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.