1. What should I do about the credit card arrears when someone is in prison?

1. Mortgage loan: If the debtor is in prison, the bank can mortgage the payment and auction it until it is repaid with interest.

2. Savings card deduction: If it is a credit loan and cannot be mortgaged, it can be deducted according to the funds of the debtor's savings card until the debt is paid off. If the cardholder has no deposit, the bank will calculate it by means of interest accrual. After he is released from prison, the cardholder will continue to pay off the debt.

3. Guarantor repayment: When the cardholder applies for a bank loan, he will fill in a guarantor. If the debtor goes to jail, the debt will be passed on to the guarantor, who will bear it and will not write it off.

2. Will you still go to jail if you owe money on your credit card?

If you owe money on your credit card, you will still go to jail. According to the regulations, if the cardholder maliciously overdraws for the purpose of illegal possession, and the overdue time exceeds three months after the effective collection by the bank twice, the bank will sue the cardholder for credit card fraud.

if the overdue amount of the cardholder is large, exceeding 5, yuan, the cardholder shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 2, yuan but not more than 2, yuan. Therefore, the credit card must be paid off as soon as possible, and it must not be overdue, which will lead to more serious consequences.

3. How to avoid being caught if you owe money on your credit card

1. Turn over to your friends and relatives: After your credit card is overdue, you can choose to turn over to your friends and relatives, pay off the bank's debts first, then make an iou with your friends and relatives, and then work hard to make money and pay off the money of your friends and relatives.

2. Minimum repayment amount: every bank will provide a minimum repayment amount. If the cardholder can't repay the credit card in full after it is overdue, he can choose to repay the minimum repayment amount every month, usually only 1% of the monthly bill.

3. Use the bill installment function: Banks basically provide the bill installment function, which is generally 3, 6, 9, 12, 18, 24, etc. Cardholders can choose the appropriate number of installments according to their own economic situation, which can temporarily alleviate the monthly repayment pressure and will not affect personal credit.

4. Change the billing date to extend the repayment period: After the credit card is overdue, the cardholder can also choose to change the billing date to extend the repayment period. In this case, he will no longer enjoy the interest-free treatment, but it is very convenient to change the billing date without any handling fee.

The above is the introduction of how to deal with the credit card debt when people are in jail. No matter how much credit card debt is, it is always necessary to pay it off. Therefore, once the credit card is overdue, it is recommended that cardholders who have the financial ability repay it in full. If they are unable to repay all the debt, they can choose to repay the minimum repayment amount or adopt the bill installment function to ease the current repayment pressure and avoid affecting their credit.

in special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.