Failure to repay a credit card debt of RMB 100,000 is suspected of credit card fraud and requires a prison sentence of five to ten years. Credit card can facilitate the daily life of cardholders and is a non-cash transaction method. The credit card not only contains the name of the card-issuing bank, but also the cardholder's personal information and the validity period of the credit card.

1. If you owe 100,000 on a credit card, you will have to spend several years in jail. If this situation constitutes the crime of credit card fraud, you will be sentenced to fixed-term imprisonment of not less than five years but not more than ten years. If your credit card is overdue and you are sued, the borrower needs to find a way to pay off the debt in time to avoid more serious consequences. If it is left unprocessed for a long time, the borrower is likely to be subject to some measures, which will have a considerable impact on the borrower's daily life. After your credit card is overdue, you must take the initiative to find a way to resolve the debt, actively communicate and negotiate with the bank, and see if you can suspend the payment and give yourself some time to raise funds. Do not maliciously default on the debt, as the consequences of malicious default are much greater than overdue credit reporting. If a credit card is overdue for three months, it can be regarded as a malicious overdraft penalty. However, if you communicate with the bank in advance and prove your repayment ability and repayment plan, you will generally not face criminal liability. However, the court will make a judgment and cardholders who still do not return will be dealt with according to the "Criminal Law". If the circumstances are serious, they may face criminal liability.

2. How long does it take to cancel the account after paying off the credit card debt of 100,000 yuan? After the credit card is paid off, as long as the bank confirms that the user has paid off all credit card debts, the user can apply to cancel the credit card at that time. After the credit card balance has been paid off, the bank will accept the user's cancellation application, and then the user needs to wait for 45 days. Be careful not to incur any fees during these 45 days. Then the user's cancellation will be successful on the 46th day. After the credit card is overdue, the bank will collect money from the cardholder. After the cardholder pays off the bill, if the cardholder does not actively mention canceling the card or closing the account, the bank will default to the cardholder continuing to use the card. The validity period of the card is generally about 3 years. After 3 years, the bank will default to the cardholder to continue using the card, and then create a new card for the cardholder. In other words, after the credit card is paid off overdue, the bank will not take the initiative to cancel the account, and the cardholder needs to take the initiative to apply for account cancellation. If a cardholder wants to cancel their card or account, they need to first call the bank's credit card hotline and then apply for card cancellation and account cancellation. Cardholders can also choose to apply offline and bring their ID cards to the counter to apply for credit card cancellation, and then relevant staff will verify the borrower's personal information and other contents. If you are sued for not paying back your credit card, you need to hold the cardholder legally accountable. You can pay off all the outstanding balances on the credit card and go through the account cancellation procedures. Credit cards have a thirty-day interest-free period. During this period, the cardholder pays off the credit card debt on time and the bank will not charge interest. The credit card has a certain useful life. One month before the credit card expires, the bank will notify the holder. The cardholder applies for a new credit card.