If you accidentally owe a credit card and are sentenced, the bank will use the emergency contact information to contact you and your family to discuss repayment matters. Under normal circumstances, as long as your attitude is good, the bank will retain the repayment amount and wait until you are released from prison to repay it. If you default on purpose and want to offset the loan in this way, the bank will collect the money through emergency contacts or other methods, or take you to court. Of course, if you are sentenced to life imprisonment or death, the bank will collect the debt based on whether your family members want to inherit your estate.

Generally speaking, banks will not easily treat an arrears as bad debts, because for an arrears to become bad debts, a lot of approval procedures are required. If it passes and becomes a bad debt, the bank will have to bear the money itself. We often say that debts disappear after death, but according to the law, if the heir is willing to inherit your finances, then he must inherit your debt information accordingly. If the heir gives up your financial inheritance, then your debt information is not required. It's up to her to pay it back.

Of course, the above is about the situation where a person dies unexpectedly, and the person’s sentence will be another matter. Because you have not died, and you still have the ability to work, and in the future period, you will be out of debt. Therefore, this debt will not be erased, and even prisoners need to bear the debt. For small debts such as 20,000 yuan, most banks will communicate with the family first. Or send a commissioner to the prison to communicate with you face to face and negotiate a solution together.

In most cases, for small credit card debts, the bank will choose to freeze your credit card and negotiate with you to repay it after you are released from prison, or wait until you are released from prison and repay it according to the previous payment. Repayments are made in order.

Of course, if you owe a large amount and the bank chooses to sue you, then you can only prepare for the court hearing in jail. Generally this kind of lawsuit will result in you losing. If you lose the case, your sentence may be extended accordingly. If the bank does not notify you when you are serving your sentence, then you should take the initiative to contact your family and go to the bank to discuss relevant matters, otherwise you will face a very high liquidated fine and interest after you are released from prison.

At the same time, if you owe a large amount to your bank card for a long time, it will also cause stains on your personal credit report, which will cause problems in future home loans, car loans, and job hunting. After all, you have owed money to the bank once, and you have owed it for a long time, and now you want to borrow a larger amount of funds from the bank, then the bank will definitely not agree. Due to the emergence of the current personal credit reporting system, even if you change banks for loans, the bank you apply for a loan will see that you have a record of non-payment of debts, and in most cases will not easily approve the loan. Even the amount distributed will be affected. As for finding a job, no large company is willing to hire someone with a tainted credit record.