1. The credit card is frozen and cannot be used, and negative information such as overdue repayment will be recorded in the personal credit report.
2. Negative information such as overdue repayment is not always recorded in personal credit report. At present, China's credit record has been maintained for five years. After paying off the credit card debt, anyone can start building a credit record again and start again.
3. Whether it constitutes a criminal offence and whether you will go to jail depends not only on the time of arrears, but also on the principal amount of credit card arrears.