Legal analysis: If you are really unable to repay, you should negotiate with the lending institution to extend the repayment period or return it by stages. Generally speaking, bank card arrears are civil disputes and you will not go to jail. At the same time, gambling arrears are illegal debts and are not protected by law. If the lending institution fails to perform the court's judgment during the performance period after suing the court and winning the case, it will apply to the court for enforcement. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law. Those who participate in gambling and involve more money can be investigated for criminal responsibility for gambling crimes according to law.

legal basis: article 196 of the criminal law of the people's Republic of China

malicious overdraft is a criminal act of credit card fraud. The amount of malicious overdraft is more than 2 thousand yuan, which is considered as "a large amount" as stipulated in Article 196 of the Criminal Law, and it has already been a crime. The public security department can directly arrest people after performing normal procedures.

article 33 whoever gathers people to gamble or gamble for the purpose of making profits shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance and shall also be fined. Whoever opens a casino shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also be fined; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined.

article 18 of the civil code of the people's Republic of China, debts shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.