1. What happens if you owe more than one credit card and don't go to court?

Generally, the cardholder will be awarded repayment and pay liquidated damages and interest.

If you owe more than one credit card and can't pay it back, it is generally a civil dispute and will not be investigated for criminal responsibility. However, if there is a malicious overdraft of credit cards, it constitutes a crime of credit card fraud and is sentenced according to the circumstances of the crime.

Second, will the bank credit card go to jail if it is overdue?

Credit card overdue may not necessarily lead to jail, depending on the reasons and amount of overdue factors. Generally speaking, the consequences of overdue credit card debt are as follows:

1. will produce bad credit records, which will affect personal credit and future credit business, such as loans, car loans, mortgages and handling other businesses. And it will also affect individuals to handle credit card business in other banks.

2. Overdue repayment will generate interest and late fees. If the arrears are too long, there will be high interest and late fees. Therefore, if individuals are unable to repay, they should actively think of various ways to repay, so as to avoid the longer the delay, the higher the interest and late fees.

3. If the repayment is overdue for more than half a year, the bank may bring a civil lawsuit to the court and demand compulsory repayment.

4. If it is a malicious overdraft and refuses to repay, the large amount may involve the crime of credit card fraud and need to bear criminal responsibility. You may go to prison at this time.

Specifically, it should be clear that there are the following elements that constitute malicious overdraft:

(1) The cardholder aims at illegal possession;

(2) Exceeding the prescribed limit or overdrawing within the prescribed time limit;

(3) It has not been returned after collection by the issuing bank.

In this case, it will be considered as malicious overdraft, and the larger amount will be investigated for criminal responsibility:

(1) If the amount is relatively large, that is, 1 10,000-1 10,000: be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and be fined not less than 20,000 yuan but not more than 200,000 yuan;

(2) If the amount is huge, that is, 65,438+10,000-/kloc-0,000, or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;

(3) If the amount is especially huge, that is, more than 654.38+00,000 yuan, or if there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated.

If the cardholder fails to return the credit card within the time limit, he is likely to be sued by the bank. As long as there is enough evidence, the court will generally judge the cardholder to repay according to the bill. Cardholders may be prosecuted, but they may not necessarily go to jail. Unless the cardholder maliciously overdraws, he may be suspected of credit card fraud and may be sentenced.