1. Even if your credit card has stopped using and there is an outstanding amount, under normal circumstances, the arrears will not lead to direct imprisonment.

2. Banks will take a series of legal procedures and collection measures to pursue debt repayment, but usually they will not involve criminal proceedings. The details include:

A. Blacklist: When you pay back overdue, the bank may blacklist you, which will have an impact on your future application for loans or credit cards.

B. lawyer's letter and prosecution: the bank may entrust a lawyer to send you a letter warning you of default and demanding repayment of debts. If you don't pay the loan continuously, the bank may file a civil lawsuit to recover the debt.

3. Summary: Although you owe a certain amount of debt to the bank, which leads to the suspension of your credit card and the influence of some legal procedures, under normal circumstances, you will not go to jail for it.

4.

Extended information: Each case has its own uniqueness, so it is best to consult professionals (such as lawyers) to understand your specific situation and relevant legal provisions.

The above answers are based on the information provided. Please note that I am not a professional lawyer, please seek legal advice to get exact and detailed answers.