Possibly, but not necessarily going to jail. According to Article 196 of the Criminal Law, those who have long-term default in repaying their credit card debts may be charged with credit card fraud due to "malicious overdraft".

: Whoever commits credit card fraud under one of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there is If the amount is extremely huge or there are other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan. A fine of not less than RMB 50,000 but not more than RMB 500,000 or confiscation of property: The crime of credit card fraud involving malicious overdraft is a complete criminal offense. Once you go to court and are convicted and sentenced, you will have a record of the crime, and jail time is one aspect. , and it will also affect future work and life.

If the debt exceeds 50,000 yuan, it meets the sentencing standards, so if this amount is reached, you may be imprisoned. Generally speaking, if a credit card holder owes more than 50,000 yuan in overdue debt and fails to repay on time for more than three months, the bank will sue the card holder. If the card holder still does not comply with the court judgment or refuses to If you repay the debt, you are likely to go to jail.

If you are unable to repay on time due to unemployment or illness, before the final repayment deadline, state your financial situation and declare that you do not owe money maliciously, and you can apply for delayed repayment and interest discounts.

Overdue large credit card bills will definitely leave black marks on your personal credit record. Credit card debt must be resolved as early as possible, without procrastination, let alone borrowing money from card A to repay the debt from card B. This will only make the debt snowball get bigger and bigger, and make you fall into a quagmire.

Even if you are carrying a large amount of debt, you must actively seek solutions, work well within your means, and plan well. Card debts from regular banks can always be paid off. Don’t get confused and end up in a dead end. !