Legal analysis: The specifics will depend on the circumstances. 1. Failure to repay a bank loan is a civil dispute and will not lead to criminal liability or jail time.

2. After the creditor files a lawsuit in court and wins, if the debtor fails to fulfill the court judgment within the performance period, the creditor can apply to the court for compulsory execution.

3. When accepting compulsory execution, the court will inquire about the properties, vehicles, securities and deposits in the name of the debtor in accordance with the law.

4. In addition, if the debtor has no property available for execution and refuses to fulfill the court’s effective judgment, negative information such as overdue repayment will be recorded in the personal credit report and high consumption will be restricted. and entry and exit, and may even be subject to judicial detention.

5. If you have the ability but refuse to execute, you are suspected of refusing to execute the judgment or ruling.

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 someone. (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.