1. Can you apply for an extension if your credit card is temporarily unpaid?

1. You can apply for an extension on your credit card. If you do not repay after the grace period, it will be considered overdue, which will affect the individual. Credit reference. To apply for a deferment of repayment, you can call the credit card number to apply for a deferment of repayment and explain the reasons for the deferment of repayment, the deferment of repayment, etc. The deferment time is determined by review, and the specific number of days of deferment is not certain.

2. Legal basis: Article 177 of the "Criminal Law of the People's Republic of China"

The crime of counterfeiting or altering financial instruments involves one of the following circumstances: Whoever manages credit cards shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or shall be fined not less than 10,000 yuan but not more than 100,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan. Fines ranging from RMB 10,000 to RMB 200,000:

(1) Holding and transporting credit cards knowing that they are counterfeit, or holding and transporting blank credit cards knowing that they are counterfeit, in larger quantities;

(2) Illegal holding of other people’s credit cards in large quantities;

(3) Using false identity certificates to fraudulently obtain credit cards;

(4) ) Selling, buying, or providing others with forged credit cards or credit cards fraudulently obtained with false identification.

Anyone who steals, bribes or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph.

If a staff member of a bank or other financial institution takes advantage of his position to commit the crime in Paragraph 2, he shall be severely punished.

2. Will you be jailed if you fail to pay off your credit card?

Whether you will be jailed if you fail to pay off your credit card will depend on the circumstances:

1. Cardholder For the purpose of illegal possession, if the prescribed limit is exceeded or the prescribed period is overdrafted, and the card is not returned for more than three months after being called upon twice by the issuing bank, and the amount exceeds 10,000 yuan, a case will be filed for prosecution and criminal liability may be pursued. Go to jail;

2. If the overdraft is not malicious or the amount is relatively small, you will generally not go to jail. For overdue credit cards, the bank will file a civil lawsuit and pursue civil repayment liability.