1. Will you go to jail if your credit card is overdue for RMB 6,000?

If you fail to repay the debt of RMB 6,000 on your credit card, it is a civil dispute and does not bear criminal liability. Generally, it is There is no need to go to jail, but if there is fraud or other behavior that constitutes a crime, you may have to go to jail.

"Criminal Law"

Article 196 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 shall be imposed; 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 there are other serious circumstances If the circumstances are particularly serious, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a false credit card

(2) Using an invalid credit card;

(3) Pretending to use another person’s credit card;

(4) ) malicious overdraft.

The so-called 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 it even 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.

2. What are the methods to deal with credit card inability to repay?

How to deal with credit card inability to repay:

1. Apply for installment repayment

When the cardholder is unable to pay off the credit card debt in one go, he or she can call the customer service number of the credit card center on the credit card card. After the call is answered, follow the phone voice prompts to transfer to manual service, submit an installment repayment application to the staff, and provide After ID number and card number, you can apply for installment repayment after identity verification;

2. Apply for minimum repayment

If the cardholder has no money temporarily, he can apply to The credit card center of the card issuing bank applies for repayment with the minimum repayment amount, so that you only need to repay about 10% of the total bill amount, and the remaining balance to be repaid can be repaid on the repayment date of the next bill.

Overdue credit cards will not constitute a crime as long as the circumstances are not serious. Generally, if the borrower does not repay within the specified time, the bank will collect money from the party concerned. If the collection fails, Below, you can file a lawsuit in court and the court will handle it as a civil case. If the court refuses to execute the judgment after giving it, it will also make a judgment based on the crime of refusal to execute.