Credit card debt can lead to jail time. If your credit card is overdue for more than three months or if the bank has not repaid the debt more than twice, the bank will freeze the party's legal person card and classify the party as a banned customer. At the same time, it will also sue you for credit card fraud and malicious overdraft, and the court will enforce it. .

How to apply for credit card suspension and suspension of debt?

The application for suspension of credit card suspension and suspension of debt is as follows:

1. When an individual is willing to repay, but the credit card consumption limit is too high and cannot be repaid, The debtor needs to take the initiative to call the bank's credit card customer service number to apply for negotiated repayment, inform the other party of the current personal financial repayment ability, and is unable to repay the loan on time, so he applies for an interest suspension;

2. The debtor needs to provide Relevant proof of personal income and property under your name;

3. After the credit card is overdue, the borrower will receive collection calls from the bank all the time, so be sure to keep your personal phone open and not be unable to repay on time. And avoid;

4. Apply for a suspension of outstanding debts and negotiate a new repayment plan.

Legal basis: Article 196 of the "Criminal Law of the People's Republic of China"

The crime of credit card fraud involves one of the following circumstances: carrying out credit card fraud activities with a relatively large amount If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence is to be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Using it fraudulently Others’ credit cards;

(4) Malicious overdrafts.

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 the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it for the crime of theft shall be convicted and punished in accordance with the provisions of Article 264 of this Law.