Credit card debt 10000 is overdue, and whether to go to jail depends on the specific situation. According to the law, a malicious overdraft of more than 10,000 yuan shall be filed for prosecution. Malicious overdraft refers to the behavior that the debtor fails to repay the debt for more than three months after twice collection due to illegal possession of the issuing bank. However, if it is not a malicious overdraft, it will only file a civil lawsuit and pursue the civil repayment responsibility. Even if it is a malicious overdraft, if you can actively repay the arrears, you will generally be relieved or exempted from punishment.

legal ground

Article 54 of the Provisions on the Standards for Criminal Cases under the Jurisdiction of Public Security Organs [Credit Card Fraud (Article 196 of the Criminal Law)] If a person is suspected of credit card fraud, he shall file a case for prosecution under any of the following circumstances:

(1) Using forged credit cards, or using forged identity documents to defraud credit cards, or using invalid credit cards, or fraudulently using other people's credit cards to engage in fraudulent activities, with an amount of more than 5,000 yuan;

(2) Malicious overdraft, the amount of which is more than 1 10,000 yuan.

The term "malicious overdraft" as mentioned in this article refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than three months after being repeatedly urged by the issuing bank.

Malicious overdraft, the amount of which is more than 1 10,000 yuan but less than110,000 yuan, has been fully repaid before the public security organ files a case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.