It is not illegal to owe money by credit card, but it will not go to jail directly. According to the current laws in China, Article 280 of the Criminal Law clearly stipulates the crime of illegal lending, as follows: illegally absorbing public deposits or engaging in other illegal financial activities without the permission of financial institutions, and the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention; If the amount is especially huge, he shall be sentenced to fixed-term imprisonment of not less than five years.

In addition, many people have become blacklists of online loans after overdue. I don't know that besides overdue, long-term loans will also be blacklisted. Specifically, you can use the data of Kingfisher to test your long-term borrowing situation. Long-term lending mainly refers to the recent application of individuals in lending institutions. I suggest that you slow yourself down and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.

In short, for the safety of your own funds, plan your own consumption and loan plans reasonably, don't rely too much on credit cards and loans, and repay on time strictly. When you encounter repayment difficulties, you should contact the bank in time and try to reach a repayment plan.