Legal analysis: If a person is in prison, he can ask his family to repay the money instead. If the cardholder fails to repay in full or according to the minimum repayment amount after the repayment date, the following consequences may occur: the consumer's money will no longer be repaid without interest. The bank shall calculate the interest of the consumption amount on a daily basis from the date of consumption, with a daily interest rate of 0.5 ‰ and compound interest on a monthly basis. You will receive the dunning phone number and dunning information from the bank. In these cases, some people will "run away" by changing their addresses, which is very wrong because the cardholder's information has been recorded by the bank. Have an impact on personal credit records. The record of arrears may be fed back to the personal credit information system of the People's Bank of China, which will affect the credit of cardholders, thus leading to the inability of cardholders to apply for housing mortgage loans normally.

Legal basis: Article 8 of the Interpretation 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 of Impairment of Credit Card Management, if the amount of malicious overdraft is more than 50,000 yuan but less than 500,000 yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 500,000 yuan but less than 5 million yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 5 million yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.