Not necessarily, it depends on the specific situation.

1. Convenience card definition: Convenience card is a credit card launched by some banks. In addition to the related functions of a credit card, cardholders can also enjoy related convenience services. The difference between convenience cards and credit cards is that in addition to the functions of ordinary credit cards, convenience cards can also enjoy convenient services, while ordinary credit cards cannot. Convenience cards are a type of credit card, also called credit cards, which are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. Not everyone can apply for a convenience card. Generally, only farmers, merchants, urban residents, public officials, small and micro business owners and other natural persons can apply, and applicants must have full civil capacity. Usually, a household can only apply for one convenience card.

2. Convenience card: You do not necessarily have to go to jail if you are not able to pay the debt. You may be jailed unless the amount of credit card arrears owed by the person concerned has reached more than 5,000 yuan, and the overdue time has been three months. After passing the bank If you still fail to repay in time after two collections, it is a malicious overdraft on your credit card, which constitutes a crime of credit card fraud. Anyone who engages in credit card fraud and is suspected of one of the following circumstances shall be prosecuted: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification, or using an expired credit card, or fraudulently using another person’s credit card to commit fraud. Fraudulent activities involving an amount of more than 5,000 yuan; (2) Malicious overdraft. If the amount of malicious overdraft is relatively large and the overdraft is fully returned before initiating public prosecution or there are other minor circumstances, prosecution may not be required; if the amount is fully returned before the first instance judgment or there are other minor circumstances, criminal punishment may be waived. However, this does not apply to those who have been punished twice or more for credit card fraud.

3. The consequences of not being able to repay the convenience card:

1. High interest and late fees: Cardholders who do not repay the credit card will no longer enjoy the interest-free period of the credit card, and will be charged RMB 10,000 per day starting from the day of consumption. Five-cent interest, compounded monthly. A debt of tens of thousands of yuan will accrue thousands of yuan in interest within a few days. The longer the period, the higher the interest. If the credit card is not repaid in time after the interest-free period of the credit card, the bank will charge the credit card holder a late payment fee, which is 5% of the unpaid portion of the minimum repayment amount. After a certain period of time, the bank will charge the card holder a higher penalty interest.

2. Personal credit stains: How important your personal credit record is. As long as you have applied for a credit card or a loan, you will know. Once your credit record has stains, it will be difficult to apply for a credit card. , this is not the most troublesome thing. The worst thing is that if you want to buy a house in the future and your credit is stained, the loan amount of the mortgage loan will be lower than others, and the interest rate will be higher than others. If the application is seriously overdue, you may even want to spend more on the interest rate. , the bank will not lend to you.

3. Credit card is suspended: If the credit card is not repaid, the bank will take back the revolving credit granted to the cardholder, and the credit card will be suspended. For repeated repayment arrears or long-term arrears of large amounts, the bank will consider the cardholder to have a higher risk of repayment, and will stop using the credit card and recover the arrears from the cardholder. This will cause the bank to encounter problems. If the credit card debt is still not repaid after collection, the bank may apply to auction the cardholder's other fixed assets.

4. Malicious arrears will be punished: If the credit card debt is not repaid for more than three months, it will be regarded as a malicious overdraft, and the bank can initiate judicial proceedings. my country's criminal law stipulates that if a credit card overdraft exceeds 5,000 yuan, the debt is in arrears for more than 3 months, and the bank refuses to repay the debt more than three times, the judicial authorities will take corresponding measures (a sentence of more than 5,000 yuan and criminal detention of not more than 5,000 yuan).

Four. Solutions to overdue payments due to the convenience card:

1. If the interest on the convenience card is overdue, you can directly go to the bank customer service to handle the repayment business. Even if the freeze caused by the overdue payment cannot be unfrozen, it can only be canceled and has been listed as a banned customer by the bank. The poor records of the Credit Investigation Center of the People's Bank of China will be deleted after five years. During this period, it is difficult to apply for credit cards and bank loans.

If a credit card is frozen because the cardholder failed to repay on time, he or she should repay all arrears including interest as soon as possible and then apply for an increase in the freeze. Whether to unfreeze a credit card depends on the bank's credit assessment of the cardholder, and there is no guarantee that the credit card will no longer be filled after the payment is owed. If a credit card is frozen because the cardholder failed to repay on time, he or she should repay all arrears including interest as soon as possible and then apply for an increase in the freeze. Whether to unfreeze a credit card depends on the bank's credit assessment of the cardholder, and there is no guarantee that the credit card will no longer be filled after the payment is owed. If the overdue situation is serious and the bank considers it to be a malicious overdraft, the bank will not unfreeze the amount even if you owe it overdue.

2. Convenience cards usually have a seven-day overdue buffer period. If the card is overdue for seven days, it will not be reported to the credit report. However, you will need to pay an overdue fee. If the card is overdue for more than seven days, the credit report will be reported. Therefore, when the cardholder finds that the convenience card is overdue, he should contact the bank customer service promptly to explain the reason for the overdue payment and make timely repayment to avoid affecting his personal credit. If the loan cannot be repaid using a convenience card, the borrower must proactively contact the bank in advance and explain his or her situation in a sincere manner and apply for deferred repayment. Interest will be paid on the deferred repayment.

Legal basis:

"Criminal Law"

Article 313: The crime of refusing to execute a judgment or ruling has the ability to challenge the judgment or ruling of the people's court If the circumstances are serious and the circumstances are serious, the person shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; if the circumstances are particularly serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.