Legal analysis: If someone uses his credit card to spend money and doesn't pay back the money, it is suggested to pay back the credit card debt first and then ask the other party for money. If the credit card is not repaid, the bank will hold the cardholder accountable. If it is overdue, it will cause high interest and credit problems: 1, which will lead to the freezing of the credit card and the personal credit report will contain negative information records such as overdue repayment. 2. Negative information such as overdue repayment is not always recorded in personal credit report. At present, China's credit record has been maintained for five years. After paying off the credit card debt, anyone can start building a credit record again and start again. 3. Whether it constitutes a criminal offence and whether you will go to jail depends not only on the time of arrears, but also on the principal amount of credit card arrears.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC): In any of the following circumstances, if the amount of credit card fraud is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; 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 and fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or his property shall be confiscated: (1) Those who use forged credit cards; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. Credit card fraud "a large amount" constitutes this crime.