Take the initiative to contact the card issuing bank to explain the specific situation, and take the initiative to repay. The bad record information will be slowly covered and eliminated. If you cannot repay in full, you should also take the initiative to propose a repayment plan and negotiate with the bank.
 People lose personal freedom while serving their sentences, but credit card debt belongs to civil liability, and criminal liability does not conflict with civil liability. The parties still have the obligation to repay credit card debt.
 This debt is a special case and cannot constitute a condition for malicious overdue. Due to the fact that it is overdue, there must be bad records in personal credit investigation.
 Legal basis
 Article 676 of the Civil Code of the People's Republic of China [The borrower's liability for overdue repayment of the loan] If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.