Legal analysis: After the law firm calls to urge the credit card repayment, it should contact the issuing bank in time and repay the loan in installments after negotiation. Long-term non-repayment of credit cards is a violation of criminal law and will be investigated for criminal responsibility, but it needs to reach a certain amount and time. According to the above, those who do not meet the conditions of malicious overdraft of credit cards will not go to jail. However, the issuing bank will sue its failure to repay the credit card, and its behavior will also be included in the credit blacklist.

Legal basis: Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

Article 69 A credit card collection letter shall fully disclose the following basic information to the cardholder: the cardholder's name and balance in arrears, the reasons for collection and relevant laws and regulations, the cardholder's relevant rights and obligations, the status of account inquiry, repayment, the way to raise objections and provide relevant evidence, the contact information of the issuing bank, the official seal of relevant business and other contents stipulated by the regulatory authorities. After receiving the cardholder's objection to the credit card collection, the issuing bank shall promptly put forward opinions on the relevant credit card accounts and verify them.

Article 70 Under special circumstances, if it is confirmed that the amount owed by a credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank may negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. The contents of personalized installment repayment agreement shall at least include: (1) balance of arrears, structure and currency; (2) the repayment period, method, currency, date and repayment amount of each installment; (three) whether to charge annual fees, interest and other fees during the repayment period; (4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled; (five) the rights and obligations of both parties and the liability for breach of contract; (6) Other matters related to repayment. If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.