You are asking about whether you will go to jail if you owe 400,000 to your credit card and pay back 1,000 a month. You will. According to the query on Hualu.com, according to the criminal law, if the credit card debt is less than 400,000, you will generally be sentenced to within 5 years and fined a certain amount. Malicious overdraft of a credit card is a serious violation of the law. As long as it is within the regulations If you fail to repay within a certain period of time, you will bear corresponding legal liabilities. Generally, the greater the amount of overdraft, the more legal liabilities you will bear, and the heavier the criminal law will be. Credit cards can be applied for by citizens who meet the requirements, but after application, repayment must be made in accordance with the terms of the credit card. If there is a defaulter or a citizen who has a malicious overdraft, he or she will need to accept legal punishment.