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In addition to occasionally forgetting to repay, credit cards are generally divided into two situations: first, they are unable to repay; But refused to pay back. If you can't repay the loan, you won't go to jail, but you will be blacklisted by the bank, and it is difficult to get another loan or something. Don't think it's easy to be unable to repay. The liquidated damages caused by overdue credit cards will still be counted, and the bank will look for you as soon as you have money. To put it bluntly, the money will not be in the bank card for more than one day in the future. Refusal to pay is serious because it has violated the criminal law.