Legal analysis: If the debt is true, it is recommended to repay the debt in time. If you are temporarily unable to repay, you can negotiate repayment matters with your creditors. In this case, you can contact the bank. If the bank files a civil lawsuit in the court, the court should decide whether to accept it within 7 days from the date of receiving the litigation materials. . No one will be arrested in civil prosecution. If the amount of arrears reaches 10,000 yuan and the bank still fails to repay it after two collections for more than 3 months, it shall constitute a crime of credit card fraud and shall bear criminal liability. After the public security organ files a case for investigation, it is possible to arrest someone. It usually takes about four months before the procuratorate files an indictment in court.

Legal basis: Article 82 of the "Civil Procedure Law of the People's Republic of China" includes the legal period and the period designated by the people's court. The period is calculated in hours, days, months and years. The hour and day at which the period begins are not included in the period. If the party delays the time limit due to force majeure or other legitimate reasons, he may apply for an extension of the time limit within ten days after the obstacle is removed. Whether to grant or not shall be decided by the People's Court.