If you are a bad debt caused by overdue repayment of your credit card, then if you owe more than 654.38+00000 yuan in arrears, the bank makes two reminders and still fails to pay it back for more than three months, which constitutes the crime of credit card fraud, and you have to bear criminal responsibility and go to jail.

If your overdue is not like the above situation, then you will generally not go to jail. However, the bank will also put you on the list of untrustworthy people and you will be blacklisted. In the future, no matter whether you apply for a card or a loan, you will be rejected.

If the bad credit card debt is caused by excessive repayment, just take out the money, and the bad record will be gradually eliminated. If it is overdue, it can be returned slowly through negotiation, but if it is not paid off, it will be displayed on the credit report. As for whether you will go to jail or not, it depends on whether you meet the above situation.

Second, how can bad credit cards resume credit reporting?

1, overdue

You can find out which debt it is and what bank and financial institution it happened in. You can go to the bank and ask the staff to repay the loan as soon as possible, fill in the complaint description and ask the bank to delete the bad debts as soon as possible. After repayment, the credit information will be updated after a period of time, instead of deleting records, it will change from bad debts to overdue records, and will be completely eliminated after five years, unless there are special reasons.

2. Overpayment

Going to the bank for withdrawal procedures and filling in relevant instructions can also eliminate the influence of bad debts.

In any case, the bad debts of credit cards should be dealt with as soon as possible. Bad debts are different from overdue records, and will not be eliminated after five years, but will remain in the credit information for life, which basically belongs to "bank black households".