2. You can't afford to go to jail for credit card arrears, but you still have to pay it back when you get out of prison. Being sentenced for credit card arrears constitutes a crime of credit card fraud. After the parties are sentenced and served by the court, they are investigated for criminal responsibility only because their actions constitute a crime. However, if the parties have already assumed criminal responsibility, they cannot be exempted from their civil liability for repayment.

3. After the parties bear the criminal responsibility for the crime of credit card fraud due to credit card arrears, they still have the civil obligation to repay the credit card arrears, and the corresponding issuing bank, as a creditor, still has the right to ask the parties to repay the credit card arrears. Article 196 Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

1) using a forged credit card or using a credit card fraudulently obtained with false identification;

2) using an invalid credit card;

3) fraudulently using other people's credit cards;

4) Malicious overdraft.

After being sentenced, it is still necessary to pay back, and punishment cannot reduce civil liability. You still have to pay back the money you should pay back. Even if he is sentenced to death, he will sell his inheritance to pay his debts. Whoever obstructs the management of credit cards shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or only be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan: holding or transporting knowingly a forged credit card, or holding or transporting knowingly a forged blank credit card, with a relatively large amount; Illegally holding a large number of other people's credit cards; Using false identification to defraud credit cards; Selling, buying or providing forged credit cards or credit cards fraudulently obtained under false identities to others.