This is a civil dispute. Under normal circumstances, an individual will not go to jail. What should I do if I don’t repay the debt? There are many ways to resolve debt disputes, such as negotiation, mediation, arbitration, and litigation. As long as If used promptly and appropriately, it will achieve twice the result with half the effort.

The legal basis is as follows: "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards"

Article 6: Cardholders are charged with illegal possession If the card is overdrafted beyond the prescribed limit or within the prescribed period for the purpose, and the card is not returned for more than 3 months after being called upon twice by the issuing bank, it shall be deemed as a "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

Extended information

The Criminal Law has this provision on credit card crimes: if an overdraft exceeds the prescribed limit or time limit, and the card issuer still fails to return it after two calls for more than 3 months, it is classified as Malicious overdraft. Malicious overdraft of more than RMB 10,000 and less than RMB 100,000 shall be deemed as a relatively large amount and shall be punished with imprisonment of not more than five years or criminal detention; if the amount is from RMB 100,000 to RMB 1 million, the amount shall be huge and shall be sentenced to imprisonment of not less than 5 years but not more than 10 years.

Reference: Baidu Encyclopedia-Overdue Loans