If you borrow money from a bank, your relatives and friends, or other financial institutions, it falls under the category of private lending and is handled by civil litigation. Even if you don't pay back the money you owe, you will most likely not go to jail. But if you maliciously fail to pay overdue, maliciously overdraft your credit card in advance and fail to pay back, there are a series of illegal ways to exchange cash with credit cards. The creditor has the right to file criminal proceedings against the person who borrowed the money. As long as the lawsuit is successful, the borrower can be jailed. If the malicious overdue amount of a credit card exceeds 50,000, it can enter the sentencing standard.

In normal life, if you simply borrow money and fail to repay it, you will be listed as a dishonest person by the law and be hindered in all aspects of your life. However, if you fail to repay your credit card overdraft after the due date, you will be punished with criminal penalties after escaping. In one case, Sun applied for a credit card with an amount of 40,000 yuan in the bank. She overdrafted the credit card in installments and paid off the balance in 36 installments. But later, he did not repay the debt to the bank as required. After waiting for six months with no results, he issued a notice to Sun. Sun still did not repay the money after receiving the notice. After that, the bank contacted him through a letter to make repayment. In the end, Sun refused to repay the amount of his overdraft and changed his mobile phone number to avoid the bank's collection. Finally, Sun was arrested and sentenced to two years in prison for suspected credit card fraud and fined RMB 30,000.

In life, we don’t borrow money if we can. If we want to borrow money, we must return the money on time. This is how you can maintain your good credit. You must check frequently to see if there are any arrears in your account, and pay off the arrears in a timely manner.

According to Article 196 of the "Criminal Law": Whoever commits credit card fraud under any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. Fine; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 5 years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 5 years but not more than 10 years. Or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property:

(1) Using a counterfeit credit card;

(2) Using a invalid credit card ;

(3) Pretending to use other people’s credit cards;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return it even after being called upon by the card issuer.