Legal analysis: Credit card civil lawsuits are generally civil disputes and will not lead to jail time. However, if the court rules that you are capable of paying your debts but refuse to do so, the court can impose fines or detention based on the severity of the case; what constitutes Anyone who commits a crime shall be held criminally responsible in accordance with the law.

Legal basis: "Civil Procedure Law of the People's Republic of China"

Article 17 The grassroots people's courts have jurisdiction over first-instance civil cases, but this law provides otherwise except.

Article 18 The Intermediate People’s Court has jurisdiction over the following first-instance civil cases:

(1) Major foreign-related cases;

(2) There are Cases with significant impact;

(3) Cases determined by the Supreme People's Court to be under the jurisdiction of the Intermediate People's Court.

Article 119: A lawsuit must meet the following conditions:

(1) The plaintiff is a citizen, legal person or other organization that has a direct interest in the case;

(2) There is a clear defendant;

(3) There are specific litigation claims, facts and reasons;

(4) It falls within the scope of the People’s Court to accept civil litigation and It shall be under the jurisdiction of the people's court subject to the lawsuit.