I went to jail because I couldn’t afford to pay off my credit card debt. After I was released from prison, I still had to pay back the money.

Those who are sentenced for credit card debt constitute the crime of credit card fraud. When a person is sentenced by the court and serves his sentence, the party concerned is only held responsible for the corresponding criminal responsibility because his behavior constitutes a crime.

However, if the party concerned has already assumed criminal liability, this does not exempt him from the civil repayment liability. After a party bears criminal liability for credit card fraud due to credit card debt, he still has the civil obligation to repay the credit card debt. The corresponding card issuer, as a creditor, still has the right to require the party to repay the credit card debt.

Extended information:

If you don’t pay back the money you owe on your credit card, you will have to pay it back even if you go to jail!

In order to invest in running a health club, a credit card holder named Lin applied for 8 credit cards from multiple banks in three years to conduct overdraft consumption and cash withdrawals. However, the health club closed down due to poor management, and Mr. Lin owed the bank more than 1.5 million yuan. Faced with the bank's demand, Mr. Lin not only refused to pay back the money, but also simply turned off his mobile phone. He was eventually prosecuted for suspected credit card fraud.

Ms. Cai, who is in her 30s, has no fixed income or career. However, in 10 years, she applied for 12 bank cards in 6 banks and maliciously overdrafted more than 1.8 million yuan for daily consumption. and buying luxury goods that are never repayable.

In the end, both of them were sentenced to ten years and six months in prison and fined around 100,000 yuan. The arrearage will be recovered for life.

In addition to malicious overdrafts, malicious evasion of the law with a small amount will cause serious losses!

Mr. Lai applied for a credit card for overdraft consumption. After repaying RMB 500, he has been in arrears. After repeated reminders from the bank, the defendant still refused to repay.

During the three years, the defendant changed his address, workplace and contact information without notifying the bank, evading the bank's call for debts, and evading the law with malicious repayments in small amounts. Finally, he owed the bank principal. The money was RMB 32,753.23. The court sentenced him to one year in prison and a fine of RMB 20,000.

After serving his one-year sentence, the 20,000 yuan seized has already been transferred to the account specified by the court, but this is not over yet. Mr. Lai’s debt record in the bank has not been cancelled, and the amount is getting bigger and bigger. The bigger the number, the current number has risen to more than 340,000 yuan. On his personal credit record, this debt has become a "pain" that will never be erased.

Ifeng.com-If you don’t pay back your credit card debt, you will have to pay it back even if you go to jail!