1. Credit card debt is a civil debt, not a criminal offence, so it will not directly lead to criminal sentence because of overdue repayment.
2. According to the Contract Law of the People's Republic of China, a credit card is a credit consumption contract, and overdue repayment is a breach of contract and should bear corresponding civil liabilities. Credit card issuers can recover debts through legal channels, including bringing a civil lawsuit to the court or applying for enforcement. However, it will not directly sentence credit card holders.
3. In some cases, if the overdue amount is huge and it is a malicious and illegal evasion of debts, it may constitute a crime of using credit cards. However, this needs to be based on the specific case situation, and the relevant departments should conduct investigation and qualitative analysis. Under normal circumstances, the overdue credit card debt of ordinary individuals will not constitute a criminal offence.
to sum up, if the credit card has not been returned for three years, there will be no sentence. However, overdue repayment will have a negative impact on personal credit records, which will reduce personal credit rating, and then may be restricted by credit and affect daily life and work. In order to avoid this kind of situation, it is suggested to consult relevant professional institutions or lawyers in time to understand the protection of personal rights and legitimate rights and interests.
Supplementary information:
Credit card is a kind of consumption tool, and the cardholder can spend within a certain credit limit and repay the arrears on a monthly basis. Overdue repayment of credit cards will lead to the accumulation of interest and the deterioration of credit records.
according to the regulations of the people's bank of China, cardholders are usually listed in the overdue customer list of the credit information system after 9 days overdue, which will seriously affect their credit records. At the same time, credit card issuers have the right to take legal measures to collect debts, including entrusting a professional law firm or bringing a lawsuit to the court through civil litigation.
Therefore, paying off the credit card arrears in time is an important measure to maintain personal credit records. In case of repayment difficulties, communicate with the issuing bank in time and actively seek solutions to avoid more serious consequences.
Summary:
According to the laws of China, a credit card that has not been returned for three years will not be sentenced. Credit card overdue repayment usually belongs to the category of civil debt, and breach of contract will lead to personal credit record damage and debt recovery. However, criminal sentencing is mainly aimed at the serious situation of malicious evasion of debts, and generally does not apply to the overdue debts of ordinary personal credit cards.
The above answers are based on the relevant provisions of China laws and general practice, and are for reference only. The specific situation also needs to consult relevant professional institutions or lawyers to obtain accurate information and guidance.