Legal analysis: No. After being sued for an overdue credit card, you will not be sentenced immediately, and the police will not arrest you immediately.

If the bank directly files a lawsuit with the court, it will first detain the person. This will not arrest the person, but will issue a summons to appear in court to respond to the lawsuit, and then wait to be transferred to the procuratorate for public prosecution. Then the person will be arrested, and the request will be made after the judgment. If an overdue person refuses to repay the loan, he or she may be included in the list of dishonest persons subject to execution. If it is seriously overdue, and the overdue time exceeds 3 months, and after two effective collections by the bank, the principal of the debt is more than 50,000 yuan, this situation is already a malicious overdraft of the credit card, constituting the crime of credit card fraud, and the bank can directly report the case to the public security organ. , the public security organ accepts the report and files a case on suspicion of credit card fraud, and then arrests the person.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any 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 a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten 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: (1) Using a forged credit card, or using a false identity certificate to defraud (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.